| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | UNKNOWN HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $50K | $54K | 5.27% |
| 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 | $15K | $0 | $15K | 12.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN PASADENA, TX 77507 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.40% |
| LEO GILLIES3 | 4008 VISTA ROAD, SUITE C101 B PASADENA, TX 77504 | AFLAC | $795 | $0 | $795 | 6.37% |
| MJ INSURANCE3 Filed as: BARBARA GILLIES & VARIOUS AGENTS | 4018 PEACH COUNTRY COURT HOUSTON, TX 77059 | AFLAC | $390 | $0 | $390 | 3.13% |
| VICKI HAPPEL3 | 425 AZALEA DRIVE BAYTOWN, TX 77520 | AFLAC | $139 | $0 | $139 | 1.11% |
| VICKIE SUSAN ELIZARDO3 Filed as: VICKIE ELIZARDO | 6315 RAY ROAD PASADENA, TX 77505 | AFLAC | $134 | $0 | $134 | 1.07% |
| DAVID WALKER3 | HC 1 BOX 5175 KEAAU, HI 96749 | AFLAC | $78 | $0 | $78 | 0.63% |
| HAMMIE WARD III3 | 8907 SILVER YACHT DRIVE HUMBLE, TX 77346 | AFLAC | $64 | $0 | $64 | 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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $125K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $125K |
| Short-term disability | AFLAC | 20 | $12K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $125K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.