| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $104K | $140K | 5.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.08% |
| MICHEAL W HART3 Filed as: MICHEAL W. HART | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $5K | $164 | $5K | 11.76% |
| HARTBOYZ INC3 Filed as: HARTBOYZ INC. | 2126 NORTH SAN ANTONIO STREET PEARLAND, TX 77581 | AFLAC | $372 | $0 | $372 | 0.80% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $337 | $24 | $361 | 0.78% |
| MJ INSURANCE3 Filed as: ROBERT SALAS AND VARIOUS AGENTS | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $239 | $0 | $239 | 0.52% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $151 | $0 | $151 | 0.33% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $133 | $0 | $133 | 0.29% |
| JAMES P HUTCHISON JR3 Filed as: JAMES P. HUTCHISON JR. | 9925 WARWANNA ROAD HOUSTON, TX 77080 | AFLAC | $128 | $0 | $128 | 0.28% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 458 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.