| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 782311250 | AETNA LIFE INSURANCE CO. | $71K | — | $71K | 4.53% |
| FROST INSURANCE AGENCY INC3 | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.26% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $2K | $28K | 16.46% |
| KAREN WINRICH3 | 1460 E. WHITESTONE BLVD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 5.61% |
| BENTON J WINRICH3 | 4434 HUNTERS LODGE DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 4.09% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 3.80% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.04% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.61% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $644 | $3K | 1.57% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $299 | $2K | 1.29% |
| TERRI L KEESE3 Filed as: TERRI KEESE | 13890 STATE HWY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $92 | $1K | 0.82% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $488 | $941 | 0.55% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | $22 | $416 | 0.24% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $3 | $227 | 0.13% |
| CHANDRA SIMS3 | 407 W 7TH ST. 101A SAN PEDRO, CA 90731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.06% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $24 | $94 | 0.05% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $23 | $87 | 0.05% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| LEONIDES H VILLA3 | 522 E VILLARET BLVD SAN ANTONIO, TX 78221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | PO BOX 225749 DALLAS, TX 75222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $183 | $3K | 14.03% |
| KAREN WINRICH3 | 1460 E. WHITESTONE BLVD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $339 | $953 | 4.20% |
| TERRI L KEESE3 | 13890 STATE HWY 95 HOLLAND, TX 76534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $56 | $783 | 3.45% |
| BENTON J WINRICH3 | 4434 HUNTERS LODGE DR ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $115 | $757 | 3.34% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $61 | $283 | 1.25% |
| BILLY MARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $52 | $272 | 1.20% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $109 | $254 | 1.12% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $49 | $254 | 1.12% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $15 | $131 | 0.58% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $14 | $27 | 0.12% |
| BRIAN WHITE3 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.02% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.02% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 683 | $1.6M |
| Dental(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 577 | $380K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 577 | $184K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 577 | $380K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 368 | $195K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 368 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.