| 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 | $117K | $20K | $136K | 5.40% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK LANE HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $228 | $20K | 4.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIAR PARK DRIVE HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $122 | $19K | 4.74% |
| BETH R. PETERSON3 Filed as: BETH R PERTERSON | 14315 OVERBROOK LANE HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $202 | $16K | 3.97% |
| 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 | $14K | $108 | $14K | 3.35% |
| MJ INSURANCE3 Filed as: PATRICIA M PHELPS & VARIOUS AGENTS | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 1.80% |
| MJ INSURANCE3 Filed as: RUBEN RUBIO AND VARIOUS AGENTS | 3601 MILE 9 NORTH MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 1.47% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE APARTMENT 610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $663 | $5K | 1.29% |
| K G SMITH LLC3 Filed as: KG SMITH, LLC | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 0.92% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $76 | $4K | 0.90% |
| BEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $548 | $3K | 0.63% |
| PATRICIA M PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.51% |
| RUBEN RUBIO3 | 3601 MILE 9 NORTH MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $39 | $2K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIAR PARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.76% |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 522 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 522 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 663 | $39K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 663 | $447K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $408K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 522 | $2.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 663 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.