| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 1269 HOUMA, LA 70361 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $44K | — | $44K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 1269 HOUMA, LA 70361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 18.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6300 CORPORATE BLVD, STE 250 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $1K | $10K | 12.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, INC. | PO BOX 81248 LAFAYETTE, LA 70598 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 25.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF LOUISIANA, INC. BROKER | Insurance agents and brokers Service code 22 | PO BOX 81248 LAFAYETTE, LA 70598 | $3K |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 192 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 108 | $81K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 108 | $81K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 139 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $142K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $142K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 192 | $1.3M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 139 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.