| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & COMPANY LLC | PO BOX 550823 HOUSTON, TX 77255 | BLUECROSS BLUESHIELD OF TEXAS | $24K | $4 | $24K | 4.50% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DRIVE HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $4 | $5K | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY, LLC | PO BOX 926 HOUSTON, TX 77001 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 17.66% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DRIVE HOUSTON, TX 77042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY LLC | PO BOX 550823 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.14% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY LLC | PO BOX 550823 HOUSTON, TX 77042 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3K | — | $3K | 16.17% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | — | $1K | 5.39% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 206 | $535K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $57K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $51K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $38K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $38K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 169 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.