| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $114K | $7 | $114K | 2.79% |
| ATEC, INC.3 | 12600 EXECUTIVE DRIVE STAFFORD, TX 77477 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $1 | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 7.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN STAFFORD, TX 77477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 3.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 3.02% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 496 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $481K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 500 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $481K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $481K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $481K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 496 | $4.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.