| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | COMPANION LIFE INSURANCE COMPANY | $83K | — | $83K | 10.00% |
| 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 | $16K | $0 | $16K | 2.45% |
| 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 | $10K | $0 | $10K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, INC. | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 18.47% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | -$30 | $0 | -$30 | -0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $1.9M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $468K |
| BROWN & BROWN OF LOUISIANA, INC EIN 72-0744155 BROKER | Other commissions Service code 55 | — | $39K |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $720K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 512 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.