| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1200 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $994 | $47K | $48K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3151 BRIARPARK DRIVE, SUITE 1200 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.26% |
| LEO A GILLIES3 Filed as: LEO A. GILLIES | 4008 VISTA ROAD, SUITE C101 B PASADENA, TX 77504 | AFLAC | $810 | $0 | $810 | 6.42% |
| MJ INSURANCE3 Filed as: BARBARA GILLIES AND VARIOUS AGENTS | 4018 PEACH COUNTRY COURT HOUSTON, TX 77059 | AFLAC | $391 | $0 | $391 | 3.10% |
| VICKI HAPPEL3 | 425 AZALEA DRIVE BAYTOWN, TX 77520 | AFLAC | $139 | $0 | $139 | 1.10% |
| VICKI SUSAN ELIZARDO3 | 6315 RAY ROAD PASADENA, TX 77505 | AFLAC | $136 | $0 | $136 | 1.08% |
| DAVID M WALKER3 Filed as: DAVID M. WALKER | HC 1 BOX 5175 KEAAU, HI 96749 | AFLAC | $78 | $0 | $78 | 0.62% |
| HAMMIE WARD III3 | 9810 FM 1960 BYPASS ROAD W SUITE 137 HUMBLE, TX 77338 | AFLAC | $65 | $0 | $65 | 0.51% |
| STEPHEN GRAY3 | 4806 LAWSON LAKE LANE RICHMOND, TX 77407 | AFLAC | $49 | $0 | $49 | 0.39% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $61K |
| Short-term disability | AFLAC | 21 | $13K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $61K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.