| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $778 | $778 | 0.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | PO BOX 1269 HOUMA, LA 70361 | GUARDIAN | — | $5K | $5K | 3.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF LOUISIANA EIN 72-0744155 BROKER | Insurance agents and brokers Service code 22 | PO BOX 1269 HOUMA, LA 70361 | $100K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 384 | $1.5M |
| Dental | GUARDIAN | 187 | $134K |
| Vision | GUARDIAN | 187 | $134K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 192 | $134K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $134K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $134K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 384 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.