| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SERVICE | 1717 N SAM HOUSTON PKWY W SUITE 115 HOUSTON, TX 77038 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $59K | $59K | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVC. IN | 3201 CHERRY RIDGE STE D405 SAN ANTONIO, TX 78230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 6.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | 1717 N SAM HOUSTON PKWY #115 HOUSTON, TX 77038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS. | 1717 N SAM HOUSTON PKWY HOUSTON, TX 77038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR I | 1717 NORTH SAM HOUSTON PK STE 115 HOUSTON, TX 77038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS. | 1717 NORTH SAM HOUSTON PKWY STE. 115 HOUSTON, TX 77038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | 1717 N SAM HOUSTON PKWAY 115 HOUSTON, TX 77038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR I | 1717 NORTH SAM HOUSTON PK STE 115 HOUSTON, TX 77038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL INSURANCE PROVID | Contract Administrator; Claims processing; Other services; Participant communication; Float revenue; Direct payment from the plan; Non-monetary compensation; Named fiduciary Service code 12 | AMERICAN SPECIALTY HEALTH 10221 WATERIDGE CIRCLE STE. 201 SAN DIEGO, CA 92121 | $0 |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $2.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $46K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.