| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $35K | $35K | 5.47% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $5K | $3K | $8K | 13.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN LONE STAR INSURANCE | 1717 NORTH SAM HOUSTON PARKWAY SUITE 115 HOUSTON, TX 77038 | NORTH AMERICAN SPECIALTY INSURANCE | $8K | $0 | $8K | 12.50% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $0 | $1K | $1K | 1.59% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INSURANCE | $0 | $1K | $1K | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 14.51% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.04% |
| PAUL DORTON3 | 18207 INDIAN BOW SAN ANTONIO, TX 78259 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 43.45% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $6K | $8K | 38.34% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $5K | 21.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STANLEY DEWAYNE BROWN | 132 CENTER CREEK FLORESVILLE, TX 78114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $78 | $3K | 11.41% |
| GRISELDA DE HOYOS3 Filed as: GRISELDA DE HOYOS AND VARIOUS AGENT | 562 BLAZE AVENUE SAN ANTONIO, TX 78218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $781 | $1K | 5.61% |
| LEONEL RUIZ3 | 1590 PASEO UNION SAN BENITO, TX 78586 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $635 | $0 | $635 | 2.88% |
| MARY JANE RICE3 | 144 WISTORIA COURT CIBOLO, TX 78108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $29 | $446 | 2.03% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $639K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $55K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $55K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 55 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $639K |
| Other(3 contracts, 3 carriers) | NORTH AMERICAN SPECIALTY INSURANCE | 147 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.