| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 3.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA INC | P. O. BOX 81248 LAFAYETTE, LA 70598 | DEARBORN LIFE INSURANCE COMPANY | $68K | — | $68K | 26.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | P. O. BOX 1269 HOUMA, LA 703611269 | AMERITAS LIFE INSURANCE CORP. | $10K | $844 | $11K | 9.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 323093435 | AMERITAS LIFE INSURANCE CORP. | — | $959 | $959 | 0.83% |
| ASSOCIATED BENEFIT PLANS INC3 | P. O. BOX 1269 HOUMA, LA 70361 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 1070 W TUNNEL BLVD HOUMA, LA 70360 | FOUR EVER LIFE INS. CO. | $1K | — | $1K | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | P. O. BOX 1269 HOUMA, LA 70361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 196 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 453 | $115K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 198 | $18K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 228 | $259K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 228 | $259K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 228 | $259K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 196 | $1.6M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 234 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.