| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYLES LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | $41K | $0 | $41K | 4.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYLES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNION SECURITY INSURANCE COMPANY | $11K | $0 | $11K | 7.18% |
| PAUL DORTON3 | 18207 INDIAN ROW SAN ANTONIO, TX 78259 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 4.81% |
| CONVERGINS HEALTH LLC3 | 16301 QUORUM DRIVE, SUITE 220B ADDISON, TX 75001 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 2.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYLES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 7.02% |
| UNKNOWN3 | UNKNOWN HOUSTON, TX 77290 | FIDELITY SECURTIY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYLES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | DENTICARE, INC. | $819 | $0 | $819 | 5.39% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 200 | $861K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 123 | $73K |
| Vision | HUMANA INSURANCE COMPANY | 123 | $58K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 123 | $211K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 82 | $153K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 82 | $153K |
| Prescription drug | MEMORIAL HERMANN HEALTH INSURANCE COMPANY | 200 | $861K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 123 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.