| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNION SECURITY INSURANCE COMPANY | $13K | $0 | $13K | 9.60% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $256 | $6K | 6.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 5.36% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $323 | $2K | 2.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 1717 NORTH SAM HOUSTON PARKWAY HOUSTON, TX 77038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.57% |
| DEBRA JEAN HUMPHREY3 Filed as: DEBRA JEAN HUMPHREY AND VARIOUS AGE | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 1.24% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $860 | $21 | $881 | 1.05% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L. HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $572 | $0 | $572 | 0.68% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $137 | $3K | 7.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.92% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | $165 | $799 | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 1717 NORTH SAM HOUSTON PARKWAY HOUSTON, TX 77038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $554 | $0 | $554 | 1.51% |
| DEBRA JEAN HUMPHREY3 Filed as: DEBRA JEAN HUMPHREY AND VARIOUS AGE | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $13 | $521 | 1.42% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L. HUMPHREY | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | $0 | $301 | 0.82% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $4 | $179 | 0.49% |
| JAN HOFER3 | 58 SOUTH HAVENRIDGE DRIVE THE WOODLANDS, TX 77380 | INTERFAITH | $6K | $0 | $6K | 60.00% |
| ARDENT SOLUTIONS (NOBLE GROUP)3 | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITED DENTAL CARE OF TEXAS, INC. | $674 | $0 | $674 | 9.62% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 72 | $147K |
| Vision | UNION SECURITY INSURANCE COMPANY | 72 | $140K |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 81 | $261K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 81 | $121K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 72 | $140K |
| Other(4 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $271K |
| 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."
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.