| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $68K | $68K | 5.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | AETNA LIFE INSURANCE COMPANY | $30K | $6K | $36K | 16.06% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $6K | — | $6K | 12.56% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $652 | — | $652 | 1.28% |
| HARTBOYZ INC3 Filed as: HARTBOYZ, INC. | 5517 BROADWAY STREET, SUITE H PEARLAND, TX 77581 | AFLAC | $500 | — | $500 | 0.98% |
| MJ INSURANCE3 Filed as: ROBERT SALAS AND VARIOUS AGENTS | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $412 | — | $412 | 0.81% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $189 | — | $189 | 0.37% |
| VICTOR G LEWIS3 Filed as: VICTOR G. LEWIS | 1860 FM 359 207 RICHMOND, TX 77406 | AFLAC | $187 | — | $187 | 0.37% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $185 | — | $185 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 324 | $224K |
| Vision | VISION SERVICE PLAN | 174 | $21K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 324 | $224K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 324 | $224K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 324 | $224K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.