| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $72K | $82K | 5.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 601478 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | -$15 | — | -$15 | -0.00% |
| ROBERT J HUMPHREY3 Filed as: ROBERT J. HUMPHREY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $922 | $28K | 14.66% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $155 | $3K | 1.81% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $345 | $2K | 1.25% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THEE WOODLANDS, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 1.07% |
| GARRETT HARRELSON3 | 3707 LAKEVIEW COURT MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| MJ INSURANCE3 Filed as: ELDON E. MALLAMS AND VARIOUS AGENTS | 14950 SPRING LAKE DRIVE HOUSTON, TX 77070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $122 | $2K | 0.93% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $536 | $14 | $550 | 0.29% |
| 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 | $629 | $73 | $702 | 16.73% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 2.62% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.7M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 18 | $4K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.