| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $98K | $98K | 4.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $18K | $39K | 26.24% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN HOUSTON, TX 77047 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 3.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $904 | $0 | $904 | 0.76% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $1K | $0 | $1K | 5.91% |
| SONYA ANN LENIHAN3 Filed as: SONYA LENIHAN AND OTHER AGENTS | 19026 AZALEA GLEN COURT HOUSTON, TX 77084 | AFLAC | $397 | $0 | $397 | 2.09% |
| JOHANN Y RESTITUYO3 Filed as: JOHANN RESTITUYO | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $163 | $0 | $163 | 0.86% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON II | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $154 | $0 | $154 | 0.81% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $121 | $0 | $121 | 0.64% |
| POWELL A JOHNSON III3 Filed as: POWELL JOHNSON, III | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $85 | $0 | $85 | 0.45% |
| JARED E DAY3 Filed as: JARED DAY | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $81 | $0 | $81 | 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $119K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $149K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.