| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVC | 1717 N SAM HOUSTON PKWAY 115 HOUSTON, TX 77038 | NORTH AMERICAN SPECIALTY INSURANCE | $13K | — | $13K | 15.00% |
| ANCHOR CLAIMS MANAGEMENT5 | 14785 PRESTON RD, STE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | — | $9K | $9K | 10.38% |
| COMBINED INDEPENDENT AGENCIES3 Filed as: COMBINED INSURANCE AGENCIES | 14785 PRESTON RD, STE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $5K | $3K | $8K | 9.19% |
| CROWN RISK MANAGEMENT, LLC5 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON RD, STE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | — | $1K | $1K | 1.15% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.