| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INS SVS | 1717 NORTH SAM, HOUSTON PARKWAY HOUSTON, TX 77038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 8.30% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $362 | $7K | 6.04% |
| LEROY PHELPS3 | 7467 LYNBROOK FALLS LANE HOUSTON, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $329 | $3K | 2.68% |
| MJ INSURANCE3 Filed as: JESSICA C. LEARD AND VARIOUS AGENTS | 351 NORTH POST OAK LANE SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $208 | $2K | 2.01% |
| DELORIS J KARISCH3 Filed as: DELORIS J. KARISCH | PO BOX 40752 HOUSTON, TX 77240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L. HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $897 | $239 | $1K | 1.04% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $974 | $58 | $1K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INS SVS | 1717 NORTH SAM, HOUSTON PARK HOUSTON, TX 77038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 125 LEWISVILLE, TX 75067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INS SVS | 3201 CHERRY RIDGE, SUITE D405 SAN ANTONIO, TX 78230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 5.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 125 LEWISVILLE, TX 75087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.13% |
| JAN HOFER3 | 58 SOUTH HAVENRIDGE DRIVE THE WOODLANDS, TX 77380 | INTERFAITH OF THE WOODLANDS COUNSELING CENTER | $5K | — | $5K | 52.50% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $66K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $66K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 170 | $190K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $82K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.