| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 9.52% |
| TNG BENEFITS, LLC3 Filed as: TNG BENEFITS LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | AFLAC | $2K | — | $2K | 10.60% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $2K | — | $2K | 6.57% |
| JOSEPH P TOTH3 Filed as: JOSEPH P. TOTH | 4625 FM 2920 ROAD, SUITE 141 SPRING, TX 77388 | AFLAC | $1K | — | $1K | 6.24% |
| SIBONEY TREVINO3 Filed as: SIBONEY TREVINO-TOTH | 21414 GOLDEN DOVE DRIVE SPRING, TX 77388 | AFLAC | $1K | — | $1K | 6.15% |
| JT & T ENTERPRISES INC & AGENTS3 Filed as: JT & T ENTERPRISES, INC. | 14714 TIMBERGREEN DRIVE MAGNOLIA, TX 77355 | AFLAC | $1K | — | $1K | 5.26% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $1K | — | $1K | 4.99% |
| SIBONEY TREVINO3 | 21414 GOLDEN DOVE DRIVE SPRING, TX 77388 | AFLAC | $258 | — | $258 | 1.13% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $145K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $145K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $149K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.