| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST SUITE 115 HOUSTON, TX 77038 | BLUECROSS BLUE SHILED OF TEXAS | $59K | $3K | $62K | 4.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST SUITE 115 HOUSTON, TX 77038 | AMERITAS LIFE INSURANCE CORPORATION | $12K | $0 | $12K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 3.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 1717 NORTH SAM HOUSTON PARKWAY WEST SUITE 115 HOUSTON, TX 77038 | DEARBORN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 19.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $112 | $6K | 7.66% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $500 | $512 | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE STREET SUITE D405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $281 | $281 | 0.37% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHILED OF TEXAS | 297 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 308 | $117K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 308 | $117K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 242 | $83K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 242 | $158K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 242 | $83K |
| Prescription drug | BLUECROSS BLUE SHILED OF TEXAS | 297 | $1.3M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 242 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.