| 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 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $32K | $0 | $32K | 3.78% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $12K | $0 | $12K | 1.48% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.80% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.89% |
| ARDENT SOLUTIONS LLC3 Filed as: ARDENT SOLUTIONS, LLC | 14090 SOUTHWEST FREEWAY SUITE 200 SUGAR LAND, TX 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.11% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $594 | $0 | $594 | 0.52% |
| CORE BENEFITS SERVICES INC3 | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $1K | $78 | $1K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 12 LEWISVILLE, TX 75067 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77024 | DENTICARE, INC. | $640 | $151 | $791 | 4.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 12 LEWISVILLE, TX 75067 | DENTICARE, INC. | $420 | $0 | $420 | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 12 LEWISVILLE, TX 75067 | HUMANADENTAL INSURANCE COMPANY | $837 | $0 | $837 | 5.03% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY SUITE 100 HOUSTON, TX 77027 | HUMANADENTAL INSURANCE COMPANY | $662 | $77 | $739 | 4.44% |
| RAND R WALL3 | 12603 SUTHWEST FREEWAY SUITE 620 STAFFORD, TX 77477 | AFLAC | $235 | $0 | $235 | 4.93% |
| JOE A TURANO3 | 2514 POTOMAC DRIVE UNIT A HOUSTON, TX 77057 | AFLAC | $92 | $0 | $92 | 1.93% |
| NCHOLAS C TURANO3 | 4008 VISTA ROAD SUITE C101 PASADENA, TX 77504 | AFLAC | $65 | $0 | $65 | 1.36% |
| DIANE L THOMPSON3 Filed as: DIANE L THOMPSON LEO A GILLIES | 12706 ROCK CREEK COURT HUMBLE, TX 77346 | AFLAC | $64 | $0 | $64 | 1.34% |
| DAVID M WALKER3 | HC 1, BOX 5175 KEAAU, HI 96749 | AFLAC | $52 | $0 | $52 | 1.09% |
| JOHN PAUL THOMPSON SR3 | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $45 | $0 | $45 | 0.94% |
| PHILIP M CHURCHILL3 | 2000 AVONLEA PLACE APT 202 WOODSTOCK, CA 30189 | AFLAC | $33 | $0 | $33 | 0.69% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 225 | $835K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 137 | $53K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 82 | $17K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 137 | $149K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 50 | $114K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 50 | $114K |
| Prescription drug | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 225 | $835K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 137 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.