| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGARLAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 10.26% |
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: CL SCOTT CORPORATION INSURANCE | 3699 NORTH CAOUTAKIF TEXAS HIGHWAY AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.58% |
| TEENA R. DAVIS3 | 2530 BREAUX TRACE SEABROOK, TX 77586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.68% |
| MATHEW D. SUTTON3 | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 3.19% |
| CHRISTIAN M KRUEGER3 Filed as: CHRISTIAN M. KRUEGER | 531 BEVERLY LANE NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 2.66% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 17403 WIDMORE SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 1.42% |
| VALERIE MOZELLE ORONA-VICTORIA3 Filed as: VALERIE M. VICTORIA | 2119 6TH AVENUE NORTH TEXAS CITY, TX 77590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 1.23% |
| MJ INSURANCE3 Filed as: MEADE C. MILLER AND VARIOUS AGENTS | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.42% |
| KIM REED SMITH3 Filed as: KIM R. SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| INTERGRATED BENEFITS SOLUTIONS, INC3 | 411 NORTH SAM HOUSTON PARKWAY EAST SUITE 200 HOUSTON, TX 77060 | LEGAL ACCESS PLANS | — | $2K | $2K | 35.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $196K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $196K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $196K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $1.4M |
| Other(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.