| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SVCS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | BLUECROSS BLUESHIELD OF TEXAS | $175K | $0 | $175K | 3.33% |
| HAYS COMPANIES, INC.5 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $43K | $92K | 13.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SVCS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.98% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE SREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TX DALLAS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | $972 | $0 | $972 | 2.42% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3 | $0 | -$3 | -0.01% |
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 | 536 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 938 | $5.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 938 | $5.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,176 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $659K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $659K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $659K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 938 | $5.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,059 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.