| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $63K | $82K | 2.84% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $5K | $349 | $6K | 11.00% |
| MJ INSURANCE3 Filed as: MICHAEL GRASS AND VARIOUS AGENTS | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $363 | $0 | $363 | 0.72% |
| HARTBOYZ INC3 | 2126 NORTH SAN ANTONIO STREET PEARLAND, TX 77581 | AFLAC | $338 | $0 | $338 | 0.67% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $256 | $70 | $326 | 0.65% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $245 | $0 | $245 | 0.49% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 1207 TANGLE BRIAR DRIVE SEABROOK, TX 77586 | AFLAC | $170 | $60 | $230 | 0.46% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $119 | $0 | $119 | 0.24% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 670 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.