I thought I was doing a frog kick and liked it until Trace Malinowski showed me what a frog kick really is. Now I LOVE it. This technique can range from a relaxing 'kick and glide' mode to an explosive forward jolt if you need to reach your buddy in a hurry.
Think about force vectors. On a flutter, your fins are going up and down. But that is not where we want to move. So we use flimsy fins and split fins that bend to generate some forward force by deflecting the water backwards. However, our entire legs are going up and down and create friction that is not doing us any good. This up and down just wastes energy.
During a frog kick with the correct fins we are taking the equivalent of two pieces of plywood and shove them backwards against the water. First they go back flat and then we squeeze the water out between them. Meanwhile our legs move very little and little friction is produced there.
If you want the swimming analogy, the frog, if done correctly, is like pushing yourself off the wall at the end of the lane. It does not get any more efficient than that.
The only disadvantage is that the efficient push and shove of the frog is discontinuos. If we want or need continuous propulsion, we have to resort to the inherently less efficient flutter (or buy a scooter).