| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $7K | $30K | 1.85% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.04% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS INC | 1330 LAKE ROBBINS ROAD, SUITE 150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.38% |
| PARHAM PATRICK3 | 6918 BLENHEIM DRIVE SPRING, TX 77379 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.64% |
| MJ INSURANCE3 Filed as: ANITA MARTINEZ AND VARIOUS AGENTS | 322 CRESTWIND DRIVE SAN ANTONIO, TX 78239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| MJ INSURANCE3 Filed as: BEN COWDEN AND VARIOUS AGENTS | 170 IDAHO STREET VAN, TX 75790 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| CHARLIE MONEY INS SVCS INC3 | 3212 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $828 | $0 | $828 | 0.49% |
| TALLANT JOE DAVID3 | 6286 ANTILLEY ROAD ABILENE, TX 79606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $684 | $0 | $684 | 0.41% |
| JONATHAN E. DAVIS3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $642 | $0 | $642 | 0.38% |
| STEVE WHITBECK3 Filed as: STEVE R. WHITBECK | 950 FM 3314 NACOGDOCHES, TX 75964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $453 | $0 | $453 | 0.27% |
| SCHAFER DAVID BOYD3 | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | $0 | $310 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 15.00% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 449 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 449 | $1.6M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 449 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 534 | $179K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 103 | $168K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 449 | $1.6M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 534 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
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.