| 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 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $46 | $45K | 3.59% |
| TNG BENEFITS, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $6K | $26K | 2.07% |
| TNG BENEFITS, LLC3 Filed as: TNG INSURANCE AGENCY, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM CHARLES BROWN | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.78% |
| 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 | $13K | $6K | $19K | 14.29% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $363 | $2K | 3.03% |
| MJ INSURANCE3 Filed as: SANTIAGO OCHOA AND VARIOUS AGENTS | 2120 EL PASEO HOUSTON, TX 77054 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $130 | $2K | 2.82% |
| TNG BENEFITS, LLC3 Filed as: TNG INSURANCE AGENCY, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $662 | $40 | $702 | 0.96% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L WORTHAM AND SON LP | PO BOX 301598 DALLAS, TX 75303 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $660 | — | $660 | 0.90% |
| KATHERINE ANN KELLY3 | 3505 SAGE ROAD HOUSTON, TX 77056 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $47 | $567 | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $486 | — | $486 | 0.66% |
| TNG BENEFITS, LLC3 | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $695 | $8K | 11.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.92% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 218 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $133K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $133K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $206K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $73K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $73K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 218 | $1.6M |
| Other(3 contracts, 3 carriers) | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 209 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.