| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $32K | $37K | 2.86% |
| TNG BENEFITS, LLC3 | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $26K | $29K | 2.25% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | UNITED HEALTHCARE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| ROBERT J HUMPHREY3 Filed as: ROBERT J. HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $981 | $20K | 12.29% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $299 | $3K | 1.81% |
| GARRETT HARRELSON3 | 3707 LAKEVIEW COURT MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $17 | $1K | 0.84% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $121 | $1K | 0.73% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THEE WOODLANDS, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $851 | $81 | $932 | 0.57% |
| MJ INSURANCE3 Filed as: DUDLEY HERRARA AND VARIOUS AGENTS | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $488 | $4 | $492 | 0.30% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L. HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $10 | $419 | 0.26% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.5M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.