| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLAISE A GUZZETTA3 Filed as: BLAISE GUZZETTA | 699 SOUTH FRIENDSWOOD DRIVE, SUITE 102 FRIENDSWOOD, TX 77546 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.24% |
| BLAISE A GUZZETTA3 Filed as: BLAISE GUZZETTA | 699 SOUTH FRIENDSWOOD DRIVE, SUITE 102 FRIENDSWOOD, TX 77546 | AETNA HEALTH, INC. | $4K | $0 | $4K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | AETNA HEALTH, INC. | $4K | $0 | $4K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INSURANCE | 1717 NORTH SAM HOUSTON PARKWAY, #115 HOUSTON, TX 77038 | NORTH AMERICAN SPECIALTY INSURANCE | $10K | $0 | $10K | 17.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $2K | $5K | $7K | 12.43% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $0 | $2K | $2K | 3.63% |
| BLAISE A GUZZETTA3 Filed as: BLAISE ANTHONY GUZZETTA | 1306 EAGLE LAKES DRIVE FRIENDSWOOD, TX 77546 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77479 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INSURANCE | 1717 NORTH SAM HOUSTON PARKWAY, #115 HOUSTON, TX 77038 | NORTH AMERICAN SPECIALTY INSURANCE | $3K | $0 | $3K | 17.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $468 | $926 | $1K | 8.94% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $0 | $1K | $1K | 6.42% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 73 | $768K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $49K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $49K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 73 | $768K |
| Other(3 contracts, 2 carriers) | NORTH AMERICAN SPECIALTY INSURANCE | 204 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.