| 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 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 3.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SERVICE | 1717 N SAM HOUSTON PKWY W STE 115 HOUSTON, TX 77038 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 2.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 14090 SW FREEWAY SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 10.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SV | 3301 NORTHERN DR SUITE 301 AUSTIN, TX 78731 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.24% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $424 | $1K | 6.80% |
| PAUL DORTON3 | 18207 INDIAN BOW SAN ANTONIO, TX 78259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STANLEY DEWAYNE BROWN | 132 CENTER CREEK FLORESVILLE, TX 78114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $18 | $620 | 2.82% |
| COVERGINS HEALTH LLC3 | 16301 QUORUM DRIVE ADDISON, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | $2 | $620 | 2.82% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $118 | $509 | 2.31% |
| MARY JANE RICE3 | 144 WISTORIA CT CIBOLO, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.52% |
| LEONEL RUIZ3 | 1590 PASEO UNION SAN BENITO, TX 78586 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.41% |
| STATON TY CRAIG3 | 5746 SOUTHERN OAKS SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $9 | $35 | 0.16% |
| GRISELDA DE HOYOS3 | 562 BLAZE AVE SAN ANTONIO, TX 78218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.12% |
| ENJOLI JANELL HAMILTON3 | 1613 CLOUDY BROOK SCHERTZ, TX 78154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| MICHAEL SNYDER3 | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $731K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $72K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $72K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $731K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
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.