| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 0.84% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 29.53% |
| DARIN POTTS3 | 100 DETERING STREET, SUITE 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 16.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST HOUSTON, TX 77038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $444 | $4K | 10.17% |
| ERIKA BROUSSARD3 | 431 SILVER CREEK CIRCLE RICHMOND, TX 77406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $44 | $59 | 0.16% |
| REESE BARRINGTON3 | 1595 FM 1104 KINGSBURY, TX 78638 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| WYNONA SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THOMAS SNYDER3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 407 | $120K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 407 | $120K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 348 | $209K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 348 | $209K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 348 | $209K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 348 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.