| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | BLUECROSS BLUESHIELD OF TEXAS | $34K | $4K | $38K | 5.34% |
| ACADIA BENEFITS INC3 Filed as: ACADIA SERVICES LLC | 351 WEST SOUTHLAKE BOULEVARD SOUTHLAKE, TX 76092 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4 | $4 | 0.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $40 | $10K | 10.95% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.24% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 640 TAYLOR STREET, SUITE 1000 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $75 | $75 | 0.08% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $131 | $1K | 18.42% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 112 | $707K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $95K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $7K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 112 | $707K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 391 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.