| 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 1200 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $93K | $93K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1200 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $17K | $38K | 28.45% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN HOUSTON, TX 77047 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.57% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $1K | $0 | $1K | 5.74% |
| MJ INSURANCE3 Filed as: JARED E. DAY AND VARIOUS AGENTS | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $465 | $0 | $465 | 2.26% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN Y. RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $181 | $0 | $181 | 0.88% |
| JOHN PAUL THOMPSON II3 | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $161 | $0 | $161 | 0.78% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $127 | $0 | $127 | 0.62% |
| POWELL A JOHNSON III3 Filed as: POWELL A. JOHNSON III | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $94 | $0 | $94 | 0.46% |
| SONYA ANN LENIHAN3 | 19026 AZALEA GLEN COURT HOUSTON, TX 77084 | AFLAC | $89 | $0 | $89 | 0.43% |
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 | 201 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $115K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $154K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $134K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.