| 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 | $21K | $8K | $29K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | SYMETRA | $29K | $4K | $33K | 30.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | AMERITAS | $5K | $493 | $6K | 10.98% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $1K | — | $1K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $777 | — | $777 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | RELIANCE STANDARD | $777 | — | $777 | 10.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $737 | — | $737 | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $491 | — | $491 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | PO BOX 1269 HOUMA, LA 70361 | RELIANCE STANDARD | $491 | — | $491 | 9.99% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 115 | $605K |
| Dental | AMERITAS | 281 | $51K |
| Vision | AMERITAS | 281 | $51K |
| Life insurance | SYMETRA | 268 | $108K |
| Short-term disability | SYMETRA | 268 | $108K |
| Long-term disability | SYMETRA | 268 | $108K |
| Other | SYMETRA | 268 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.