| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC DBA ARDENT SOL. | 14090 SOUTHWEST FREEWAY STE 200 SUGAR LAND, TX 77478 | UNION SECURITY INSURANCE COMPANY | $16K | $1K | $18K | 12.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SRVS | 1717 N SAM HOUSTON PARKWAY STE 115 HOUSTON, TX 77038 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.31% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $598 | $9K | 8.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE STE 125 LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 6.85% |
| PATRICIA M PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $526 | $3K | 2.22% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE #610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $43 | $2K | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 1717 N SAM HOUSTON PKWY HOUSTON, TX 77038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | — | $636 | 0.56% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $23 | $621 | 0.55% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $35 | $468 | 0.41% |
| DELORES J KARISCH3 | P.O. BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 0.37% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TN 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $1 | $287 | 0.25% |
| KENNETH B BOYLES3 | P.O. BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $28 | $133 | 0.12% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 0.03% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $240 | $4K | 7.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DR. STE 125 LEWISVILLE, TX 75067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.71% |
| PATRICIA M PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $868 | $215 | $1K | 2.20% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE #610 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $977 | $23 | $1K | 2.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 1717 N SAM HOUSTON PKWY HOUSTON, TX 77038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | — | $636 | 1.29% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $30 | $392 | 0.79% |
| DELORES J KARISCH3 | P.O. BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.37% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.37% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $1 | $134 | 0.27% |
| BETH R. PETERSON3 Filed as: BETH R PETERSON | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.15% |
| KENNETH B BOYLES3 | P.O. BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $1 | $33 | 0.07% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| SANTIAGO OCHOA3 | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 104 | $139K |
| Vision | UNION SECURITY INSURANCE COMPANY | 104 | $139K |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 104 | $302K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $163K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 104 | $139K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 104 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.