| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $24K | — | $24K | 3.26% |
| CHRISTIAN LAPEYRE INSURANCE SERVICE3 | PO BOX 1269 HOUMA, LA 70361 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $3K | — | $3K | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | THE HARTFORD | $13K | — | $13K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 100 RIALTO PLACE STE 900 MELBORNE, FL 32901 | THE HARTFORD | — | $1K | $1K | 0.22% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS & ALERA GRP AGENCY LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE CO | $22K | — | $22K | 28.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | 6300 CORPORATE BLVD, SUITE 250 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE CO | $9K | — | $9K | 11.92% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 Filed as: A J ALFORD INSURANCE CORP | 1217 MUSEUM DR HOUMA, LA 70360 | TRANSAMERICA LIFE INSURANCE CO | $2K | — | $2K | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1051 WEST TUNNEL BLVD HOUMA, LA 70360 | AMERITAS | $3K | — | $3K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS | — | $2K | $2K | 4.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | 400 E KALISTE SALOOM RD SUITE 1100 LAFAYETTE, LA 70508 | AMERITAS | $2K | — | $2K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | COMPANION LIFE | $5K | — | $5K | 14.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH DAYTONA BEACH, FL 32114 | COMPANION LIFE | $3K | — | $3K | 8.97% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT EMPLOYEE BENEFIT INC | 106 PARK PLACE, STE 203 COVINGTON, LA 70433 | COMPANION LIFE | $2K | — | $2K | 5.08% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 123 | $731K |
| Dental | AMERITAS | 228 | $42K |
| Vision | AMERITAS | 228 | $42K |
| Life insurance | COMPANION LIFE | 213 | $32K |
| Short-term disability | THE HARTFORD | 77 | $655K |
| Long-term disability | THE HARTFORD | 77 | $655K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 123 | $731K |
| Other | TRANSAMERICA LIFE INSURANCE CO | 74 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.