| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 125 LEWISVILLE, TX 75067 | UNITEDHEALTHCARE | $0 | $57K | $57K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 2245 TEXAS DRIVE SUITE 170 SUGAR LAND, TX 77479 | GUARDIAN | $15K | $6K | $21K | 17.22% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN | $103 | $0 | $103 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 2871 LAKE VISTA DRIVE SUITE 125 LEWISVILLE, TX 75067 | COLONIAL | $5K | $0 | $5K | 8.54% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL | $4K | $123 | $4K | 7.93% |
| MJ INSURANCE3 Filed as: DARIN POTTS AND VARIOUS AGENTS | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL | $995 | $302 | $1K | 2.45% |
| MARIA LUGO-VALADEZ3 Filed as: MARIA LUGO VALADEZ | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL | $739 | $47 | $786 | 1.48% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL | $580 | $95 | $675 | 1.27% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL | $599 | $0 | $599 | 1.13% |
| HONORIO GUILLERMO AQUINO3 | 15 WATERFALL WAY THE WOODLANDS, TX 77375 | COLONIAL | $579 | $20 | $599 | 1.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | UNKNOWN HOUSTON, TX 77023 | SUPERIOR VISION | $3K | $0 | $3K | 10.00% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 241 | $1.1M |
| Dental | GUARDIAN | 279 | $121K |
| Vision | SUPERIOR VISION | 220 | $28K |
| Life insurance | GUARDIAN | 279 | $121K |
| Short-term disability | COLONIAL | 66 | $53K |
| Long-term disability | GUARDIAN | 279 | $121K |
| Prescription drug | UNITEDHEALTHCARE | 241 | $1.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 279 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.