| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | BLUECROSS BLUE SHILED OF TEXAS | $73K | $0 | $73K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $14K | $5K | $20K | 19.47% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $985 | $9K | 14.36% |
| 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 | $4K | $308 | $4K | 5.93% |
| 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 | $317 | $317 | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 14285 MIDWAY ROAD, SUITE 100 ADDISON, TX 75001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.02% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHILED OF TEXAS | 307 | $1.4M |
| Dental | BLUECROSS BLUE SHILED OF TEXAS | 307 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 204 | $101K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 204 | $101K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 204 | $167K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 204 | $101K |
| Prescription drug | BLUECROSS BLUE SHILED OF TEXAS | 307 | $1.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 204 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.