| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$2 | $118K | $118K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISBURG, TX 75067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $10K | $31K | 23.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY SUITE 200 SUGAR LAND, TX 77478 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.78% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $4K | $42 | $4K | 12.40% |
| MJ INSURANCE3 Filed as: JARED E. DAY AND VARIOUS AGENTS | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $588 | $58 | $646 | 1.96% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $223 | $0 | $223 | 0.68% |
| POWELL A JOHNSON III3 Filed as: POWELL A. JOHNSON III | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $162 | $0 | $162 | 0.49% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $151 | $0 | $151 | 0.46% |
| JOHN PAUL THOMPSON II3 | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $135 | $0 | $135 | 0.41% |
| FINN INTERESTS INC3 Filed as: FINN INTERESTS, INC. | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $126 | $0 | $126 | 0.38% |
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 | 196 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $2.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $91K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $164K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $131K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 176 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.