| 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 | $27K | $94K | $120K | 4.24% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $9K | $122 | $9K | 16.92% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $557 | $0 | $557 | 1.00% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $537 | $0 | $537 | 0.96% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON AND OTHER AGENTS | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $525 | $0 | $525 | 0.94% |
| HARTBOYZ INC3 Filed as: HARTBOYZ INC. | 2126 NORTH SAN ANTONIO STREET PEARLAND, TX 77581 | AFLAC | $353 | $0 | $353 | 0.63% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $302 | $0 | $302 | 0.54% |
| JAMES P HUTCHISON JR3 Filed as: JAMES P. HUTCHISON JR. | 2114 WYCLIFFE DRIVE HOUSTON, TX 77043 | AFLAC | $139 | $0 | $139 | 0.25% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.8M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.