| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | BLUE CROSS BLUE SHIELD OF TEXAS | $4K | — | $4K | 3.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES K TEMPLIN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | BLUE CROSS BLUE SHIELD OF TEXAS | $1K | — | $1K | 1.00% |
| JUSTIN A. LEBLANC3 | 209 BELLAGIO DR LAKEWAY, TX 78734 | BLUE CROSS BLUE SHIELD OF TEXAS | $372 | — | $372 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JASON BROWN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | $7K | — | $7K | 11.68% |
| JUSTIN A. LEBLANC3 | 209 BELLAGIO DR LAKEWAY, TX 78734 | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | $507 | — | $507 | 0.80% |
| ESPTX3 | 2209 PARKSVILLE WAY TOMBALL, TX 77375 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $136 | $2K | 16.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: C JASON BROWN | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | DELTA DENTAL OF NEW MEXICO | $780 | — | $780 | 9.26% |
| ESPTX3 Filed as: ESPTX LLC | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | SUN LIFE ASSURANCE COMPANY OF CANADA | $454 | — | $454 | 11.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | SUN LIFE ASSURANCE COMPANY OF CANADA | $137 | — | $137 | 3.40% |
| PROFESSIONAL INS CONCEPTS INC3 | 6161 SAVOY DRIVE SUITE 525 HOUSTON, TX 77036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68 | — | $68 | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | AMERITAS LIFE INSURANCE CORP | $194 | $186 | $380 | 14.55% |
| ESPTX3 | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | AMERITAS LIFE INSURANCE CORP | $19 | — | $19 | 0.73% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 16 | $100K |
| Dental | DELTA DENTAL OF NEW MEXICO | 22 | $8K |
| Vision | AMERITAS LIFE INSURANCE CORP | 17 | $3K |
| Life insurance(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | 113 | $77K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | 113 | $73K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | 113 | $73K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY44-0308260 | 113 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.