| 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 | $122K | $0 | $122K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $20K | $8K | $28K | 11.64% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | PO BOX 46122 EDEN PRAIRIE, MN 55344 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 11.48% |
| BETH R. PETERSON3 | 14315 OVERBROOK LANE HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.76% |
| RUBEN RUBIO & OTHERS3 | 3601 MILE 9 NORTH MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $980 | $92 | $1K | 2.59% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE APARTMENT 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | — | $842 | 2.04% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $3 | $438 | 1.06% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $0 | $432 | 1.05% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $79 | $350 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.19% |
| BETH R. PETERSON3 | 14315 OVERBROOK LANE HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 9.33% |
| PATRICIA M. PHELPS & OTHERS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $203 | $1K | 4.13% |
| K G SMITH LLC3 Filed as: K G SMITH, LLC | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $98 | $457 | 1.56% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $0 | $365 | 1.25% |
| RUBEN RUBIO3 | 3601 MILE 9 NORTH MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 1.07% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $2 | $283 | 0.97% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 542 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 542 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 646 | $240K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $310K |
| Short-term disability(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $310K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 646 | $240K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 542 | $3.0M |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.