| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | UNKNOWN UNKNOWN, TX 77054 | BLUE CROSS BLUE SHIELD OF TEXAS | $68K | $0 | $68K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2245 TEXAS DRIVE, SUITE 170 SUGARLAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $9K | $39K | 15.90% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $392 | $0 | $392 | 0.16% |
| MELANIE LOWE3 Filed as: MELANIE LOWE AND OTHER AGENTS | 2557 VANCEVILLE ROAD BOSSIER CITY, LA 71111 | AFLAC | $3K | $336 | $4K | 9.32% |
| CARLA DIANNE MOFFATT3 Filed as: CARLA MOFFATT | PO BOX 1320 FRIENDSWOOD, TX 77549 | AFLAC | $2K | $137 | $2K | 5.69% |
| VICKY C DALLMANN3 | 516 WOODRIDGE BOULEVARD MANDEVILLE, LA 70471 | AFLAC | $959 | $21 | $980 | 2.38% |
| KRISTIN JONES3 | 203 EAST QUEENS DRIVE SLIDELL, LA 70458 | AFLAC | $473 | $94 | $567 | 1.38% |
| DAIVD WALKER3 | HC 1 BOX 5175 KEAAU, HI 96749 | AFLAC | $477 | $0 | $477 | 1.16% |
| GRACE LOZANO3 | PO BOX 680182 SAN ANTONIO, TX 78268 | AFLAC | $374 | $44 | $418 | 1.02% |
| DENTON J GILES3 Filed as: DENTON GILES | 4526 BROOK SHADOW DRIVE KINGWOOD, TX 77345 | AFLAC | $380 | $0 | $380 | 0.92% |
| 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 | $0 | $513 | 15.01% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 366 | $2.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $244K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $243K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $243K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $243K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 366 | $2.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.