| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | BLUECROSS BLUESHIELD OF TEXAS | $173K | $0 | $173K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | BLUECROSS BLUESHIELD OF TEXAS | $54K | $0 | $54K | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 17.49% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 5.41% |
| RETHINK WEALTH LLC3 | 3040 POST OAK BOULEVARD HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $92 | $0 | $92 | 0.03% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 12.33% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 6.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 5.27% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.24% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 940 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 572 | $340K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 572 | $340K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $248K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $248K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $248K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 940 | $4.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 572 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.