| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 843055 DALLAS, TX 75284 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $135K | $135K | 5.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | BLUECROSS BLUESHIELD OF TEXAS | $34K | $2K | $36K | 19.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 6707 GESSNER ROAD HOUSTON, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 14.34% |
| D2ENROLL LLC3 Filed as: D2ENROLL | 1960 ASH DRIVE LAKE HAVASU CITY, AZ 86403 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.66% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $153 | $4K | 5.39% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.73% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $522 | $104 | $626 | 0.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $74 | $73 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $69 | $69 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 6707 GESSNER ROAD HOUSTON, TX 77040 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 322 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 479 | $188K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 420 | $185K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 420 | $185K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 420 | $185K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 420 | $185K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 322 | $2.7M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 420 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.