| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD | $6K | $2K | $8K | 2.51% |
| CHRISTIAN LAPEYRE INS SERVICES INC3 | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD | $4K | — | $4K | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 1070 W. TUNNEL BLVD HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD | $2K | — | $2K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | SYMETRA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 28.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA | PO BOX 81248 LAFAYETTE, LA 70598 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | 1051 W TUNNEL BLVD HOUMA, LA 70360 | MERITAIN HEALTH | $700 | — | $700 | 9.99% |
| MERITAIN HEALTH3 | 9201 WATSON RD-STE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | — | $455 | $455 | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $385 | $385 | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 1051 W TUNNEL BLVD HOUMA, LA 70360 | MERITAIN HEALTH | $165 | — | $165 | 9.98% |
| MERITAIN HEALTH3 | 9201 WATSON RD-STE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | — | $83 | $83 | 5.02% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $83 | $83 | 5.02% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 106 | $328K |
| Dental | MERITAIN HEALTH | 73 | $7K |
| Vision | MERITAIN HEALTH | 63 | $2K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 174 | $100K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 174 | $100K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 174 | $100K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 174 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.