| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $90K | $90K | 5.09% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $293 | $31K | 11.26% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $754 | $9K | 3.40% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $102 | $4K | 1.39% |
| LEROY PHELPS3 | 7467 LYNNBROOL FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $115 | $3K | 1.07% |
| MJ INSURANCE3 Filed as: REGINA SWINNEA AND VARIOUS AGENTS | 15650 WALDEN ROAD, SUITE 3106 MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $218 | $3K | 0.96% |
| PATRICA M. PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $404 | $2K | 0.88% |
| MJ INSURANCE3 Filed as: DELORES KARISH AND VARIOUS AGENTS | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $89 | $2K | 0.55% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.05% |
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 | 571 | 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) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 470 | $1.9M |
| Vision | VISION SERVICE PLAN | 238 | $25K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 571 | $178K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $1.8M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 571 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.