| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYLES LLC | 14090 SOUTHWEST FREEWAY SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $46K | $46K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.23% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 30.00% |
| DENA PATTERSON3 | 5117 RAINFLOWER CIRCLE SOUTH LEAGUE CITY, TX 77573 | AFLAC | $668 | $193 | $861 | 13.14% |
| TODD A STULL3 Filed as: TODD A. STULL | 810 SOUTH MADSON ROAD, SUITE 102 KATY, TN 77450 | AFLAC | $138 | $39 | $177 | 2.70% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL J. MULVILLE | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $128 | $39 | $167 | 2.55% |
| ELIZABETH ANN FIFFIE3 | 26230 CRYSTAL COVE LANE RICHMOND, TX 77406 | AFLAC | $48 | $0 | $48 | 0.73% |
| KATHRYN L KITE LLC3 Filed as: KATHRYN L. KITE, LLC AND AGENTS | 2920 CARLISLE BOULEVARD NE SUITE A-Z ALBUQUERQUE, NM 87110 | AFLAC | $5 | $0 | $5 | 0.08% |
| TIFFANY N. HUGHES3 | 16810 ECHO HEIGHTS DRIVE CYPRESS, TX 77433 | AFLAC | $2 | $0 | $2 | 0.03% |
| JAMES H GIBBS3 Filed as: JAMES H. GIBBS | 200 APPALACHIAN WAY MCKINNEY, TX 75071 | AFLAC | $2 | $0 | $2 | 0.03% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $872K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $71K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $71K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $48K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $872K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
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.