| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | UNKNOWN HOUSTON, TX 77225 | BLUECROSS BLUE SHIELD OF TEXAS | $66K | $5K | $71K | 4.80% |
| ANSAS WAY, LLC3 | UNKNOWN HOUSTON, TX 77225 | ASSURITY LIFE INSURANCE COMPANY | $30K | $0 | $30K | 17.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | UNKNOWN HOUSTON, TX 77225 | ASSURITY LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 17.49% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | 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) | BLUECROSS BLUE SHIELD OF TEXAS | 302 | $1.5M |
| Dental | BLUECROSS BLUE SHIELD OF TEXAS | 302 | $1.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 161 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 161 | $27K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 689 | $171K |
| Prescription drug | BLUECROSS BLUE SHIELD OF TEXAS | 302 | $1.5M |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 689 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.