| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $46K | — | $46K | 4.85% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 4.59% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 4.59% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.56% |
| FROST INSURANCE AGENCY INC3 | 5710 LBJ FREEWAY SUITE 460 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $615 | $4K | 17.65% |
| FROST INSURANCE AGENCY INC3 | 5710 LBJ FREEWAY SUITE 460 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $229 | $2K | 16.51% |
| FROST INSURANCE AGENCY INC3 | 5710 LBJ FREEWAY SUITE 460 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $336 | $2K | 17.41% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $469 | $469 | 4.68% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $460 | — | $460 | 4.59% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $460 | — | $460 | 4.59% |
| FROST INSURANCE AGENCY INC3 | 5710 LBJ FREEWAY SUITE 460 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $382 | $47 | $429 | 16.84% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 230 | $956K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $14K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.