| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3100 OLYMPUS BOULEVARD, SUITE 550 COPPELL, TX 75019 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $63K | $75K | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $12K | $25K | 0.93% |
| MICHAEL W. HART3 | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77974 | AFLAC | $2K | $0 | $2K | 5.44% |
| ROBERT SALAS3 Filed as: ROBERT SALAS AND OTHER AGENTS | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $333 | $0 | $333 | 1.05% |
| PARAGON BENEFIT SOLUTIONS LLC3 | 2478 CHEW ROAD SEALY, TX 77474 | AFLAC | $329 | $0 | $329 | 1.04% |
| HARTBOYZ INC3 | 2126 NORTH SAN ANTONIO STREET PEARLAND, TX 77581 | AFLAC | $225 | $0 | $225 | 0.71% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $199 | $0 | $199 | 0.63% |
| MELVIN J ROBERSON3 Filed as: MELVIN J. ROBERSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $100 | $0 | $100 | 0.32% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $88 | $0 | $88 | 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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.