| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 705088517 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 705088517 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF LOUISIANA, LLC CONTRACT | Insurance agents and brokers Service code 22 | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 705088517 | $69K |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $16K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.