| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $75K | $82K | 4.79% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE AG | 1111 NORTH LOOP WEST, SUITE 400 SUITE 400 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $662 | $7K | $8K | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 12.20% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT IN | 1111 NORTH LOOP WEST #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $65 | $3K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 400 SUGAR LAND, TX 77478 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $567 | $0 | $567 | 0.50% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $3K | $224 | $3K | 7.55% |
| MJ INSURANCE3 Filed as: MICHAEL GRASS AND VARIOUS AGENTS | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77077 | AFLAC | $1K | $3 | $1K | 2.86% |
| SONYA ANN LENIHAN3 Filed as: SONYA LENIHAN | 19026 AZALEA GLEN COURT HOUSTON, TX 77084 | AFLAC | $449 | $14 | $463 | 1.19% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $321 | $0 | $321 | 0.82% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | AFLAC | $252 | $48 | $300 | 0.77% |
| POWELL A JOHNSON III3 Filed as: POWELL JOHNSON III | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $232 | $0 | $232 | 0.59% |
| SEAN PRADIA3 | 805 WEST 19TH STREET HOUSTON, TX 77008 | AFLAC | $158 | $44 | $202 | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | VISION SERVICE PLAN | $922 | $0 | $922 | 4.80% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | VISION SERVICE PLAN | $156 | $0 | $156 | 0.81% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $1.7M |
| Vision | VISION SERVICE PLAN | 125 | $19K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $153K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $114K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.