| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3100 OLYMPUS BOULEVARD, SUITE 550 COPPELL, TX 75019 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $82K | $97K | 2.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.19% |
| MICHEAL W HART3 Filed as: MICHEAL W. HART | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $2K | $0 | $2K | 5.05% |
| PARAGON BENEFIT SOLUTIONS LLC3 Filed as: PARAGON BENEFIT SOLUTIONS, LLC | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $570 | $0 | $570 | 1.89% |
| VICKIE DENESE GRAVES & OTHERS3 | 29214 JACOBS RIVER DRIVE KATY, TX 77494 | AFLAC | $498 | $0 | $498 | 1.65% |
| HALEY MICHELLE MUSE3 | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $282 | $0 | $282 | 0.94% |
| JERRY L. HART3 | 208 SILVERBELL CIRCLE LAKE JACKSON, TX 77566 | AFLAC | $260 | $0 | $260 | 0.86% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $121 | $0 | $121 | 0.40% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $95 | $0 | $95 | 0.32% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
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.