| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUECROSS BLUESHIELD OF TEXAS | $76K | $2K | $79K | 1.76% |
| BYRON C STEPHENS3 | 11200 BROADWAY ST STE 2743 PEARLAND, TX 775849787 | BLUECROSS BLUESHIELD OF TEXAS | $15K | — | $15K | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $53K | $15K | $68K | 11.99% |
| BYRON C STEPHENS3 Filed as: BYRON C. STEPHENS | 2004 BROADWAY ST STE 111 PEARLAND, TX 77581 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AXIS INSURANCE COMPANY | $9K | — | $9K | 9.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 327517058 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | AGENCY OF VIRGINIA 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.06% |
| BYRON C STEPHENS3 | 11200 BROADWAY ST STE 2743 PEARLAND, TX 775849787 | PRINCIPAL LIFE INSURANCE COMPANY | $618 | — | $618 | 1.74% |
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 | 618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 575 | $4.6M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $599K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $564K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $564K |
| Prescription drug | AXIS INSURANCE COMPANY | 112 | $98K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.