Frost-Arnett Company
Updated Filing received by DOL
Frost-Arnett Company, an administrative & support services employer in Nashville, Tennessee, reported 324 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $98,367 in insurance premiums across 9 contracts and $42,900 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company). The Department of Labor received the filing on August 13, 2026, within the extension window.
Who was paid on Frost-Arnett Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Frost-Arnett Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Nashville, TN | $9,836 | $9,310 | $19,146 | 7 |
| Lockton · Chicago, IL | $15,026 | $0 | $15,026 | 7 |
| Austin L Madison · Nashville, TN | $4,717 | $0 | $4,717 | 1 |
| Rex a Davenport · Brentwood, TN | $4,011 | $0 | $4,011 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.dental, vision | 353 | $98,367 | $8,728 | 8.9% |
| HCC Life Insurance Companystop-loss | 174 | — | — | — |
| United of Omaha Life Insurance Companylife | 312 | — | $2,636 | — |
| United of Omaha Life Insurance Companyshort-term disability | 78 | — | $6,408 | — |
| United of Omaha Life Insurance Companylong-term disability | 312 | — | $6,251 | — |
| United of Omaha Life Insurance Companycoverage not coded | 47 | — | $2,229 | — |
| United of Omaha Life Insurance Companycoverage not coded | 52 | — | $1,612 | — |
| United of Omaha Life Insurance Companycoverage not coded | 30 | — | $2,153 | — |
| United of Omaha Life Insurance Companycoverage not coded | 161 | — | $12,883 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Frost-Arnett Company compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 311 | 324 | +4.2% |
| Premiums filed | $105,153 | $98,367 | −6.5% |
| Broker commissions + fees | $39,187 | $42,900 | +9.5% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Frost-Arnett Company Employee Benefits Plan#502 · insurance, general assets | December 31, 2025 | August 13, 2026 | within extension | 324 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Frost-Arnett Company pay in health insurance broker commissions in 2025?
Frost-Arnett Company's 2025 Form 5500 reports $42,900 in broker commissions and fees across 9 insurance contracts ($33,590 in commissions, $9,310 in fees), with HUB International receiving the largest share.
Is Frost-Arnett Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company).
How does Frost-Arnett Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Frost-Arnett Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.