| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE STREET SAN ANTONIO, TX 78230 | BLUECROSS BLUESHIELD OF TEXAS | $54K | $0 | $54K | 5.42% |
| 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 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.58% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $81 | $6K | 5.93% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $541 | $2K | 1.79% |
| JESSICA CHRISTINE LEARD3 | 351 NORTH POST OAK LANE, SUITE 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $119 | $1K | 1.28% |
| 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 | $1K | $0 | $1K | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE STREET SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| BETH R. PETERSON3 | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $503 | $5 | $508 | 0.54% |
| MJ INSURANCE3 Filed as: DELORES KARISCH AND VARIOUS AGENTS | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $0 | $392 | 0.42% |
| LEROY PHELPS3 | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $66 | $3K | 11.26% |
| PATRICIA M PHELPS3 Filed as: PATRICIA M. PHELPS | 102 BENT TREE DRIVE BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $454 | $397 | $851 | 3.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE STREET SAN ANTONIO, TX 78230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 1.07% |
| 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 | $266 | $0 | $266 | 0.98% |
| MJ INSURANCE3 Filed as: BETH R. PETERSON AND VARIOUS AGENTS | 14315 OVERBROOK HOUSTON, TX 77077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.38% |
| DELORES J KARISCH3 Filed as: DELORES J. KARISCH | PO BOX 35 SMITHVILLE, TX 78957 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.30% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.23% |
| 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 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN FLORIDA, INC. | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $142 | $142 | 0.91% |
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 | 215 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 205 | $996K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 205 | $996K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 248 | $16K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 73 | $234K |
| Short-term disability(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 73 | $234K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 73 | $114K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 205 | $996K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 73 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.