| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FWY STE 200 SUGAR LAND, TX 774783678 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $41K | $43K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 2871 LAKE VISTA DR., #125 AKA ARDENT SOLUTIONS LEWISVILLE, TX 75067 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 10.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 700 NORTH PEARL STREET STE N1700 DALLAS, TX 75201 | STARMOUNT LIFE INSURANCE COMPANY | -$13 | — | -$13 | -0.02% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $295 | $3K | 8.81% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 4.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DR. SUITE 125 LEWISVILLE, TX 75067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $348 | $781 | 2.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $18 | $307 | 0.86% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $98 | $239 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN C/O MARSH MCLENNAN DALLAS, TX 75231 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.57% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AGENCY INC | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.51% |
| MARY BETH HARRIS3 | 6002 BLUE BAY DRIVE DALLAS, TX 75248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.40% |
| CHALSEE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.16% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $817K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 125 | $82K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 125 | $82K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $36K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $36K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.