| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND CO. | PO BOX 550823 HOUSTON, TX 77255 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 3.80% |
| KILPATTRICK COMPANIES LTD.3 | 1050 WILCREST DR. HOUSTON, TX 77042 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & CO. | PO BOX 550823 HOUSTON, TX 77255 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.24% |
| DARIN POTTS3 | 100 DETERING ST., APT. 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.55% |
| VERA ANN PAREDES3 | PO BOX 4475 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $653 | $4K | 5.75% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDING PINES DR. TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $525 | $2K | 2.25% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $222 | $278 | 0.38% |
| DEBRA KAY GAPP3 Filed as: DEBRA KAY GROUP | 20302 STONE FALLS CT. CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $35 | $129 | 0.18% |
| LYNDA TANNER3 | 333 UNDERWOOD HILL RD. MURPHY, NC 28906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CAMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & CO. | PO BOX 550823 HOUSTON, TX 77255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES LTD. | 1050 WILCREST DR. HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN AND CO. | PO BOX 550823 HOUSTON, TX 77255 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.99% |
| KILPARICK COMPANIES LLC3 | 1050 WILCREST DR. HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & CO. | 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 DR. 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 CO. LLC | PO BOX 550823 HOUSTON, TX 77255 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3K | — | $3K | 15.17% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR. HOUSTON, TX 77042 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | — | $1K | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELLIS BROWN & CO | 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 DR. HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $749 | $749 | 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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 267 | $927K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $52K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 180 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.