| 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 | $70K | — | $70K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA | 102 ASMA BLVD STE 300 LAFAYETTE, LA 705083842 | COMPANION LIFE INSURANCE COMPANY | $82K | — | $82K | 10.00% |
| 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 | $57K | $4K | $61K | 16.02% |
| 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 | $8K | $0 | $8K | 7.61% |
| 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 | — | $2K | $2K | 2.36% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR #D STE 350 ATLANTA, GA 303295380 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 12.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, INC. | PO BOX 81248 LAFAYETTE, LA 705981248 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $748 | $9K | 10.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $425K |
| BROWN & BROWN OF LOUISIANA, INC EIN 72-0744155 BROKER | Other commissions Service code 55 | — | $53K |
| OPTUM RX CLAIMS EIN 33-0441200 BENEFIT MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $17K |
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 | 694 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 557 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,322 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,322 | $101K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $467K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $381K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 709 | $817K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,016 | $381K |
| 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.