| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DR SUITE 125 LEWISVILLE, TX 75067 | AETNA LIFE INSURANCE CO. | $87K | — | $87K | 3.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 NORTH DALLAS PARKWAY SUITE 1100 ADDISON, TX 75001 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SW FREEWAY SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $10K | $40K | 11.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 920 MEMORIAL CITY WAY SUITE 5000 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.75% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $595 | — | $595 | 0.17% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 71 | $3.2M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $472K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $355K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $355K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $355K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $355K |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 71 | $3.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.