| 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 77054 | BLUECROSS BLUESHIELD OF TEXAS | $60K | $2K | $62K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $10K | $40K | 16.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | HARTFORD LIFE AND ACCIDENT | $513 | — | $513 | 15.01% |
| DAVID WALKER3 | HC 1 BOX 5175 KEAAU, HI 96749 | AFLAC | $10 | — | $10 | 3.19% |
| MJ INSURANCE3 Filed as: HAMMIE WARD III AND VARIOUS AGENTS | 9810 FM 1960 BYPASS ROAD WEST SUITE 137 HUMBLE, TX 77338 | AFLAC | $7 | — | $7 | 2.24% |
| CARLA DIANNE MOFFATT3 Filed as: CARLA MOFFATT | PO BOX 1320 FRIENDSWOOD, TX 77549 | AFLAC | $7 | — | $7 | 2.24% |
| DENTON J GILES3 Filed as: DENTON GILES | 9235 LAKEWAY VIEW LANE HUMBLE, TX 77396 | AFLAC | $4 | — | $4 | 1.28% |
| LEO GILLIES3 | 4008 VISTA ROAD SUITE C101-B PASADENA, TX 77504 | AFLAC | $3 | — | $3 | 0.96% |
| VICKY C DALLMANN3 Filed as: VICKY C. DALLMANN | 516 WOODRIDGE BOULEVARD MANDEVILLE, LA 70471 | AFLAC | $2 | — | $2 | 0.64% |
| KRISTIN JONES3 | 203 EAST QUEENS DRIVE SLIDELL, LA 70458 | AFLAC | $2 | — | $2 | 0.64% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 363 | $2.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $241K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $240K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $240K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $240K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 363 | $2.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.