| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | BLUECROSS BLUESHIELD OF TEXAS | $158K | — | $158K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY SUITE 200 SUGAR LAND, TX 77478 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $506 | $3K | 18.90% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $768 | $712 | $1K | 10.96% |
| MARIA LUGO-VALADEZ3 | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $284 | $1K | 10.41% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $590 | $691 | $1K | 9.48% |
| DONALD GRANT JAMES3 | 2706 TAMPA STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $545 | $362 | $907 | 6.71% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $25 | $416 | 3.08% |
| MJ INSURANCE3 Filed as: SANTIAGO OCHOA AND VARIOUS AGENTS | 2120EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $335 | $28 | $363 | 2.69% |
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 | 550 | 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) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 769 | $4.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 806 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $243K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $243K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $243K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 769 | $4.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.
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.