| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SERVICE | 6707 GESSNER RD HOUSTON, TX 770404017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TX HOUSTON | 6707 GESSNER RD HOUSTON, TX 770404017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.44% |
| LMA BENEFITS AGENCY LLC3 | 5663 MEADOW DR ABILENE, TX 79606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $506 | $31K | 17.87% |
| KIMBERLY BRIDGETTE VECCHIO-WALKER3 | 11011 ARABIAN PALM SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $443 | $7K | 3.85% |
| ASHLEY MARIE ENGLAND3 | 225 BYNUM LANE ABILENE, TX 79602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $118 | $4K | 2.10% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $422 | $625 | 0.36% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $135 | $338 | 0.20% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LMA BENEFITS AGENCY LLC3 | 5663 MEADOW DR ABILENE, TX 796065357 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | PO BOX 670728 HOUSTON, TX 772670728 | METROPOLITAN LIFE INSURANCE COMPANY | $839 | — | $839 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 6707 GESSNER RD HOUSTON, TX 770404017 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | — | $128 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TN 782304820 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.09% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $90K |
| Vision(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 305 | $263K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $90K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 130 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.