| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77479 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 12.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.70% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N MARKET ST, SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77479 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77479 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 12.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77478 | KANAWHA INSURANCE COMPANY | $205 | — | $205 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SOUTHWEST FWY, SUITE 200 SUGAR LAND, TX 77479 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $887 | — | $887 | 10.00% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LANE SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $636 | — | $636 | 10.50% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA BOLLI | 5902 EVENING SUN COURT RICHMOND, TX 77469 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $634 | — | $634 | 10.47% |
| JOHN SHEFFIELD4 | 10000 SAN LEON DRIVE DICKENSON, TX 77539 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $286 | — | $286 | 4.72% |
| DEANNE LYLES4 | 3522 CYPRESS LANDING COURT ROSENBURG, TX 77471 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $46 | — | $46 | 0.76% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $57K |
| Other(3 contracts, 3 carriers) | KANAWHA INSURANCE COMPANY | 188 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.