| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $60K | $2 | $60K | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $1K | $18K | 10.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY SUITE 200 SUGARLAND, TX 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $708 | $26K | 15.41% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | AFLAC | $78 | $0 | $78 | 1.62% |
| EPIC3 Filed as: EPIC BENEFITS LLC | 2300 REPSDORPH ROAD APARTMENT 4201 SEABROOK, TX 77586 | AFLAC | $66 | $0 | $66 | 1.37% |
| STACY MASSI3 Filed as: STACY M. MASSI | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $55 | $0 | $55 | 1.14% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $44 | $0 | $44 | 0.92% |
| STEPHEN MASSI3 Filed as: STEPHEN P. MASSI AND OTHER AGENTS | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $41 | $0 | $41 | 0.85% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $26 | $0 | $26 | 0.54% |
| JT & T ENTERPRISES INC & AGENTS3 Filed as: JT AND T ENTERPRISES INC. | 14714 TIMBERGREEN DRIVE MAGNOLIA, TX 77355 | AFLAC | $24 | $0 | $24 | 0.50% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 385 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 163 | $173K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 163 | $173K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $172K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $172K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 385 | $2.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.