| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $12K | $0 | $12K | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | HARTFORD LIFE AND ACCIDENT | $8K | $416 | $9K | 10.51% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $267 | $2K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.53% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $0 | $407 | 1.25% |
| EPSI BENEFITS, INC.3 Filed as: EPSI BENEFITS INC | 2180 NORTH LOOP WEST HOUSTON, TX 77018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $0 | $384 | 1.18% |
| LEE AMMER3 | 1807 BREEZY BEND DRIVE KATY, TX 77494 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $5 | $376 | 1.15% |
| MARYSOL N. CALVILLO3 | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.62% |
| ROSALINDA BENTANCUR RODRIGUEZ3 Filed as: ROSALINDA RODRIGUEZ & OTHER AGENTS | 2035 ALTA VISTA STREET HOUSTON, TX 77023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.48% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 399 | $306K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 409 | $82K |
| Prescription drug | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 399 | $306K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 409 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.