| 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 | AETNA LIFE INSURANCE COMPANY | $7K | $65K | $72K | 5.06% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $3K | $21K | 16.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 13.34% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 5.04% |
| MJ INSURANCE3 Filed as: AMY E. TRIOLA AND VARIOUS AGENTS | 3609 NEW FOREST DRIVE KOUNTZE, TX 77625 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $790 | $4K | 3.27% |
| EPSI BENEFITS, INC.3 | PO BOX 10 BARKER, TX 77413 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.29% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N. CALVILLIO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $51 | $3K | 2.26% |
| KATY JOY BUFORD3 Filed as: KATY JOY BUFORX | 4516 FM 1131 ROAD BUNA, TX 77612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $299 | $2K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 9.27% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 305 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 305 | $1.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 305 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 306 | $75K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 305 | $1.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 306 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.