| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $88K | $16K | $104K | 12.74% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $682 | $4K | 17.93% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $585 | $585 | 2.52% |
| STEPHEN MASSI3 | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $1K | $0 | $1K | 4.72% |
| MARCUS A THOMAS3 Filed as: MARCUS THOMAS | 14627 CYPRESS COTTAGE COURT CYPRESS, TX 77429 | AFLAC | $393 | $13 | $406 | 1.90% |
| MJ INSURANCE3 Filed as: CHRISTOPHER LEE AND VARIOUS AGENTS | 759 SW FEDERAL HIGHWAY, SUITE 218 STUART, FL 34994 | AFLAC | $326 | $0 | $326 | 1.53% |
| JANET S. RENO3 Filed as: JANET RENO | 14922 DOGWOOD VIEW LANE CYPRESS, TX 77429 | AFLAC | $146 | $58 | $204 | 0.96% |
| STACY MASSI3 | 714 CRANFIELD COURT KATY, TX 77450 | AFLAC | $136 | $0 | $136 | 0.64% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $90 | $0 | $90 | 0.42% |
| CECIL RAMBO3 | 3634 ROCKY LEDGE LANE KATY, TX 77494 | AFLAC | $90 | $0 | $90 | 0.42% |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $816K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $816K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $816K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $816K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $816K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $860K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.