| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & CO. | PO BOX 550823 HOUSTON, TX 77255 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $50K | — | $50K | 8.00% |
| DARIN POTTS3 | 100 DETERING STREET APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & COMPANY LLC | PO BOX 550823 HOUSTON, TX 77255 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| MARY REBECCA BOWLES3 | 147 WEST WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $363 | $998 | 1.87% |
| VERA ANN PAREDES3 | PO BOX 1283 PASADENA, TX 77501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $882 | — | $882 | 1.66% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $838 | $39 | $877 | 1.65% |
| JOHNATHAN ANTHONY SCOTT3 | 8820 WESTHEIMER ROAD APARTMENT 2147 HOUSTON, TX 77063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $621 | $1 | $622 | 1.17% |
| LYNDA TANNER3 | 333 UNDERWOOD HILL ROAD MURPHY, NC 28906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.07% |
| LAURA ELYSE MCNEILL3 | 5330 BEVERYHILL STREET HOUSTON, TX 77056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND CO LLC | PO BOX 550823 HOUSTON, TX 77255 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.45% |
| KILPARICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY | PO BOX 550823 HOUSTON, TX 77255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES LTD | 1050 WILCREST DRIVE HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & COMPANY | PO BOX 550823 HOUSTON, TX 77255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES LTD | 1050 WILCREST DRIVE HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY LLC | PO BOX 550823 HOUSTON, TX 77255 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3K | — | $3K | 15.10% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | — | $1K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND COMPANY | PO BOX 550823 HOUSTON, TX 77255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES LTD | 1050 WILCREST DRIVE HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $751 | $751 | 5.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 211 | $626K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $47K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $30K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 153 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.