| 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 DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $235K | $265K | 5.57% |
| ROGERS BENEFIT GROUP INC3 | 1031 CHUCK DAWLEY BOULEVARD SUITE 5 MT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $172 | $172 | 0.00% |
| BARHORST INSURANCE GROUP, LTD3 | 8220 JONES ROAD, SUITE 100 HOUSTON, TX 77065 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7 | -$12 | -$19 | -0.00% |
| ISCENTIAL INC3 Filed as: ISCENTIAL INC. | 8220 JONES ROAD, SUITE 100 HOUSTON, TX 77065 | UNITEDHEALTHCARE INSURANCE COMPANY | -$17 | -$48 | -$65 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $32K | $63K | 31.00% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIRCLE SOUTH LEAGUE CITY, TX 77573 | AFLAC | $10K | $926 | $10K | 20.99% |
| JARRET HUGHES3 | 16810 ECHO HEIGHTS DRIVE CYPRESS, TX 77433 | AFLAC | $2K | $326 | $3K | 5.52% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $1K | $172 | $2K | 3.25% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL MULVILLE | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $1K | $39 | $1K | 2.66% |
| TIFFANY N. HUGHES3 Filed as: TIFFANY HUGHES | 16810 ECHO HEIGHTS DRIVE CYPRESS, TX 77433 | AFLAC | $466 | $54 | $520 | 1.04% |
| MJ INSURANCE3 Filed as: TONYA L WYNES, LLC & VARIOUS AGENTS | 225 SOUTH 6TH STREET SUITE 2550 MINNEAPOLIS, MN 55402 | AFLAC | $235 | $0 | $235 | 0.47% |
| PHYLLIS S THOMPSON JONES3 Filed as: PHYLLIS THOMPSON JONES | PO BOX 756 EDNA, TX 77957 | AFLAC | $48 | $0 | $48 | 0.10% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 983 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 983 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 983 | $4.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $202K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 983 | $4.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.