| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | BLUE CROSS BLUE SHIELD OF TEXAS | $71K | — | $71K | 3.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC | 1800 WASHINGTON STREET, SUITE 400 AMARILLO, TX 79105 | BLUE CROSS BLUE SHIELD OF TEXAS | $15K | — | $15K | 0.66% |
| JOHNTE ARCHER3 | PO BOX 540481 HOUSTON, TX 77005 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | — | $10K | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | GEISINGER HEALTH PLAN | $8K | $18 | $8K | 2.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $27K | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4526 EAST UNIVERSITY BOULEVARD 1-B ODESSA DALLAS, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.67% |
| JOHNTE SHANTELL ARCHER3 | 1610 SAINT CHARLES STREET HOUSTON, TX 77003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.60% |
| DAVID ERWIN3 Filed as: DAVID CARLESIMO | 2717 HAWTHORNE NORTH SHELBY TOWNSHIP, MI 48316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGARLAND, TX 77479 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $3K | $13K | 19.55% |
| MJ INSURANCE3 Filed as: SANTIAGO OCHOA AND VARIOUS AGENTS | 2120 EL PASEO HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $893 | $7K | 10.91% |
| HOUSTON NORMAN HAMILTON3 Filed as: HOUSTON HAMILTON | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 10.22% |
| DONALD GRANT JAMES3 Filed as: DONALD JAMES | 2706 TAMPS STREET FRIENDSWOOD, TX 77546 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.40% |
| DARIN POTTS3 | 510 BEING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.10% |
| KELLY ZIEGLER3 Filed as: KELLY ZIEGER | 1339 REGENTS BOULEVARD FIRCREST, WA 98466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $202 | $2K | 3.56% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $460 | $2K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC | 1800 WASHINGTON STREET, SUITE 400 AMARILLO, TX 79105 | GEISINGER HEALTH PLAN | $378 | $18 | $396 | 2.92% |
| JOHNTE ARCHER3 Filed as: JOHNTE' ARCHER | PO BOX 540481 HOUSTON, TX 77005 | GEISINGER HEALTH PLAN | $252 | $18 | $270 | 1.99% |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 540 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $220K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $220K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $65K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $284K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $220K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 540 | $2.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.