| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF LOUISIANA, LLC | 400 E. KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $18K | — | $18K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF LOUISIANA | 400 E. KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | GUARDIAN | $4K | — | $4K | 5.86% |
| THE PRODUCERS GROUP, INC | 3939 N CAUSEWAY #301 METAIRIE, LA 70002 | GUARDIAN | $44 | — | $44 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF LOUISIANA | 400 E. KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 13.05% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF LOUISIANA | 400 E. KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $549 | — | $549 | 14.43% |
| 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 70508 | $31K |
| LABI SERVICE CORPORATION CONTRACT | Insurance services Service code 23 | 500 MAIN STREET BATON ROUGE, LA 70802 | $0 |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 130 | $656K |
| Dental | GUARDIAN | 78 | $76K |
| Vision | GUARDIAN | 78 | $76K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 117 | $29K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 117 | $29K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 130 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
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.