| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST SUITE 115 HOUSTON, TX 77038 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $40K | $46K | 5.64% |
| LEROY PHELPS3 | 215 WEST BANDARA ROAD BOEME, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $54 | $5K | 4.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIAR PARK DRIVE HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INS. | 3201 CHERRY RIDGE STREET SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.14% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 215 WEST BANDARA ROAD BOEME, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 1.06% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $631 | $8 | $639 | 0.55% |
| MJ INSURANCE3 Filed as: DELORES J. KARISCH & VARIOUS AGENTS | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $0 | $632 | 0.54% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $0 | $419 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST SUITE 115 HOUSTON, TX 77038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.97% |
| LEROY PHELPS3 | 215 WEST BANDARA ROAD BOEME, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $959 | $8 | $967 | 3.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INS. | 3201 CHERRY RIDGE STREET SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $0 | $389 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIAR PARK DRIVE HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $0 | $351 | 1.29% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 215 WEST BANDARA ROAD BOEME, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $1 | $343 | 1.26% |
| MJ INSURANCE3 Filed as: BETH R. PETERSON AND VARIOUS AGENTS | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.61% |
| DELORES J KARISCH3 Filed as: DELORES J. KARISCH | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.41% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.30% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $824K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $824K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $824K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $222K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $222K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $79K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $824K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.