| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $102K | $0 | $102K | 10.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $22K | $22K | 2.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $1K | $1K | 4.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $231 | $231 | 0.91% |
| STEPHEN P MASSI3 Filed as: STEPHEN P. MASSI | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $933 | $0 | $933 | 4.68% |
| MARCUS A THOMAS3 Filed as: MARCUS A. THOMAS | 14627 CYPRESS COTTAGE COURT CYPRESS, TX 77429 | AFLAC | $373 | $0 | $373 | 1.87% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER L INS AGY, LLC & OTHERS | 759 SW FEDERAL HIGHWAY, SUITE 218 STUART, FL 34994 | AFLAC | $307 | $0 | $307 | 1.54% |
| JANET S. RENO3 | 14922 DOGWOOD VIEW LANE CYPRESS, TX 77429 | AFLAC | $146 | $0 | $146 | 0.73% |
| STACY MASSI3 Filed as: STACY M. MASSI | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $119 | $0 | $119 | 0.60% |
| LAURA M MARCOTTE3 Filed as: LAURA M. PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $90 | $0 | $90 | 0.45% |
| CECIL RAMBO3 Filed as: CECIL SCOTT RAMBO | 3634 ROCKY LEDGE LANE KATY, TX 77494 | AFLAC | $90 | $0 | $90 | 0.45% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $959K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $959K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $959K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $959K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $959K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 569 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.