| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 1717 N SAM HOUSTON PKWY W, STE 115 HOUSTON, TX 77038 | UNITED HEALTHCARE INSURANCE COMPANY | — | $71 | $71 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 8.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | AMERITAS LIFE INSURANCE CORP. | — | $388 | $388 | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $89 | $4K | 22.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $197 | $12 | $209 | 1.22% |
| JARDINE LLOYD THOMPSON LLC3 | 5847 SAN FEILPE STREET SUITE 2800 HOUSTON, TX 77057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $175 | $4K | 25.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $62 | $263 | 1.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $149 | $3K | 25.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | $5 | $65 | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $135 | $2K | 26.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | -$1 | $8 | 0.10% |
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 | 324 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 391 | $2.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 532 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 532 | $104K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $132K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $132K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $132K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 391 | $2.6M |
| Other(5 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.