| 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 | $108K | $2 | $108K | 4.97% |
| DON MCGILL TOYOTA, INC.3 | 21555 KATY FREEWAY KATY, TX 77450 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $0 | $0 | 0.00% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $242 | $17K | 10.99% |
| 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 | $13K | $0 | $13K | 8.38% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $87 | $5K | 2.99% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $411 | $4K | 2.55% |
| REGINA SWINNEA3 Filed as: REGINA SWINNEA AND OTHER AGENTS | 21607 MT MCKINLEY WAY KATY, TX 77449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $441 | $3K | 2.03% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $69 | $3K | 1.85% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $9 | $3K | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.12% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 460 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 460 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 591 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 591 | $192K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $155K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 460 | $2.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 591 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.