| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF TEXAS | $31K | $0 | $31K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | UNKNOWN HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $24K | $24K | 1.39% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON, L.P. | UNKNOWN HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $18K | $0 | $18K | 1.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | UNKNOWN HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $8K | $8K | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.33% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON, L.P. | PO BOX 301598 DALLAS, TX 75303 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH WORTHAM | PO BOX 1388 HOUSTON, TX 77251 | PRINCIPAL LIFE INSURANCE COMPANY | $873 | $0 | $873 | 0.82% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM AND SON, L.P. | 2727 ALLEN PARKWAY, SUITE 1580 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2727 ALLEN PARKWAY, SUITE 1580 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.89% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 240 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $106K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $106K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 240 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.