| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | BLUECROSS BLUESHIELD OF TEXAS | $98K | $3 | $98K | 4.99% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 20.33% |
| ASSURANCE AGENCY LTD3 Filed as: JM ASSURANCE LLC | 21555 KATY FREEWAY. SUITE A KATY, TX 77450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.01% |
| MJ INSURANCE3 Filed as: DAVID J. TALLANT AND VARIOUS AGENTS | 118 HEARTLAND COURT ABILENE, TX 79606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.50% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.89% |
| BEN COWDEN3 | 170 IDAHO STREET VAN, TX 75790 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.74% |
| JONATHAN E. DAVIS3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.49% |
| THOMAS E. BRANDA3 | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.21% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 20.32% |
| ASSURANCE AGENCY LTD3 Filed as: JM ASSURANCE LLC | 21555 KATY FREEWAY. SUITE A KATY, TX 77450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.28% |
| MJ INSURANCE3 Filed as: DAVID B. SCHAFER AND VARIOUS AGENTS | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.45% |
| CHARLES MONEY | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.90% |
| ANITA MARTINEZ3 | 322 CRESTWIND DRIVE SAN ANTONIO, TX 78239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.57% |
| STEVE WHITBECK3 | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.84% |
| PATRICK PARHAM3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.46% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $16 | $2K | 14.66% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $37 | $564 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. AND OTHER AGENTS | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $263 | $6 | $269 | 2.38% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $2 | $167 | 1.48% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $5 | $147 | 1.30% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $30 | $136 | 1.21% |
| HONORIO GUILLERMO AQUINO3 | 15 WATER FALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $2 | $97 | 0.86% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 438 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 438 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 479 | $39K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 479 | $200K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $161K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 438 | $2.0M |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 479 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.