| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $6K | — | $6K | 0.30% |
| BROWN & BROWN INSURANCE SERVICES3 | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | GUARDIAN | $125 | — | $125 | 0.14% |
| BROWN & BROWN INSURANCE SERVICES3 | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | COMMUNITY EYE CARE, LLC | $275 | — | $275 | 2.02% |
| SOUTHERN NATL MARKETING CO3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 5.01% |
| SOUTHERN NATL MARKETING CO3 Filed as: SOUTHERN NATL LIFE INSURANCE CO INC | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF INSURANCE SERVICES, INC INSURANCE SERVICES | Insurance services Service code 23 | 114 W WALNUT STREET KOKOMO, IN 46901 | $117K |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 228 | $2.1M |
| Dental | GUARDIAN | 188 | $88K |
| Vision | COMMUNITY EYE CARE, LLC | 273 | $14K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 199 | $3K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 228 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.