| 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 | $11K | $92K | $103K | 6.21% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $559 | $22K | 11.98% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $273 | $3K | 1.63% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $260 | $2K | 1.31% |
| MJ INSURANCE3 Filed as: DEBRA HUMPHREY & VARIOUS AGENTS | 1325 MARDI LANE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $309 | $2K | 1.05% |
| ELDON EUGENE MALLAMS3 | 14950 SPRING LAKE DRIVE HOUSTON, TX 77070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $19 | $972 | 0.53% |
| REGINA SWINNEA3 | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $868 | $15 | $883 | 0.49% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | $0 | $870 | 0.48% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.8M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $182K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 375 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.