| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $49K | $4K | $53K | 2.26% |
| BORETS US, INC.3 | 10497 TOWN AND COUNTRY WAY HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $2 | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 9.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTWEST FREEWAY, SUITE 200 SUGAR LAND, TN 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | AFLAC | $314 | $0 | $314 | 4.42% |
| STACY MASSI3 Filed as: STACY M. MASSI | 24306 SCHIVENER HOUSE LANE KATY, TX 77493 | AFLAC | $275 | $0 | $275 | 3.87% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO AND VARIOUS AGT | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $248 | $0 | $248 | 3.49% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $151 | $0 | $151 | 2.13% |
| STEPHEN P MASSI3 Filed as: STEPHEN P. MASSI | 24306 SCHIVENER HOUSE LANE KATY, TX 77493 | AFLAC | $118 | $0 | $118 | 1.66% |
| TNG BENEFITS, LLC3 Filed as: TNG BENEFITS LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | AFLAC | $112 | $0 | $112 | 1.58% |
| SIBONEY TREVINO3 | 21414 GOLDEN DOVE DRIVE SPRING, TX 77388 | AFLAC | $91 | $0 | $91 | 1.28% |
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 | 163 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 386 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $171K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $171K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $103K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 386 | $2.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
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.