| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 3151 BRIARPARK DRIVE SUITE 1220 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $72K | $87K | 4.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL, LLC. DBA WALKER | 3000 WESLAYAN STREET SUITE 390 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $12K | $39K | 15.77% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.45% |
| CLARUS BENEFITS GROUP LLC3 Filed as: CLARUS BENEFITS GROUP, LLC. | 3000 WESLAYAN STREET SUITE 390 HOUSTON, TX 77027 | METLIFE LEGAL PLANS, INC. | $418 | $41 | $459 | 12.01% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $1.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 438 | $247K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 438 | $247K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 438 | $247K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 438 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.