| 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 | BLUECROSS BLUE SHIELD OF TEXAS | $60K | $0 | $60K | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 12.58% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $5K | $63 | $5K | 10.44% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON AND OTHER AGENTS | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $544 | $0 | $544 | 1.22% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $348 | $0 | $348 | 0.78% |
| HARTBOYZ INC3 | 2126 NORTH SAN ANTONIO STREET PEARLAND, TX 77581 | AFLAC | $309 | $0 | $309 | 0.69% |
| RAYMON P KEECH III3 Filed as: RAYMON P. KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $190 | $0 | $190 | 0.43% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $175 | $0 | $175 | 0.39% |
| ZACHARY HART3 | 44 WINDSWPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $125 | $0 | $125 | 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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TEXAS | 453 | $2.8M |
| Dental | BLUECROSS BLUE SHIELD OF TEXAS | 453 | $2.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 210 | $205K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 210 | $205K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 210 | $205K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 210 | $205K |
| Prescription drug | BLUECROSS BLUE SHIELD OF TEXAS | 453 | $2.8M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 210 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.