| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | PO BOX 81248 LAFAYETTE, LA 70598 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 102 ASMA BLVD STE 300 LAFAYETTE, LA 705083842 | AMERITAS LIFE INSURANCE CORP | $31K | — | $31K | 7.62% |
| 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 | — | $5K | $5K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, INC | P O BOX 81248 LAFAYETTE, LA 705981248 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $19K | $108K | 29.72% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DRIVE #D SUITE 350 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | -$32K | $68 | -$32K | -8.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $388K |
| BROWN & BROWN OF LOUISIANA, INC EIN 72-0744155 BROKER | Other commissions Service code 55 | — | $54K |
| EXPRESS SCRIPTS EIN 43-1420563 BENEFIT MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $19K |
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 | 727 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,377 | $405K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,377 | $405K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $364K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $364K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 727 | $830K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,016 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.