| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | BLUE CROSS BLUE SHIELD OF TEXAS | $59K | $9 | $59K | 2.15% |
| BORETS US, INC.3 Filed as: BORETS US, INCORPORATED | 10497 TOWN AND COUNTRY WAY HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $3 | $3 | 0.00% |
| 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 | $16K | $0 | $16K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC DBA A | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 13.51% |
| 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 | $2K | $0 | $2K | 1.49% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $540 | $111 | $651 | 4.16% |
| SIBONEY TREVINO3 | 21414 GOLDEN DOVE DRIVE SPRING, TX 77388 | AFLAC | $313 | $243 | $556 | 3.55% |
| TNG BENEFITS, LLC3 Filed as: TNG BENEFITS LLC | 2245 TEXAS DRIVE SUITE 170 SUGAR LAND, TX 77479 | AFLAC | $508 | $0 | $508 | 3.24% |
| JOSEPH P TOTH3 | 4625 FM 2920 ROAD #141 SPRING, TX 77388 | AFLAC | $239 | $178 | $417 | 2.66% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $293 | $113 | $406 | 2.59% |
| JT & T ENTERPRISES INC & AGENTS3 Filed as: JT & T ENTERPRISES INC | 14714 TIMBERGREEN DRIVE MAGNOLIA, TX 77355 | AFLAC | $235 | $147 | $382 | 2.44% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 481 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 179 | $168K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 179 | $168K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $144K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $144K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.