| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LA LLC | P O BOX 1269 HOUMA, LA 70361 | SYMETRA LIFE INSURANCE COMPANY | $117K | $60K | $177K | 13.36% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | 500 DOVER BLVD STE 110 LAFAYETTE, LA 70503 | SYMETRA LIFE INSURANCE COMPANY | $6K | $33K | $39K | 2.94% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | 500 DOVER BLVD STE 110 LAFAYETTE, LA 70503 | UNITED HEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 8.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE INS INC | 500 DOVER BLVD STE 100 LAFAYETTE, LA 70503 | UNITED HEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 7.38% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE AGENCY INC | P O BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 17.73% |
| ANDREW BRANTLEY3 | 5505 MERRIMAC AVE STE 100 DALLAS, TX 75206 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.27% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY | 5505 MERRIMAC AVE STE 100 DALLAS, TX 75206 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.62% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | 500 DOVER BLVD STE 110 LAFAYETTE, LA 70503 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 7.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P O BOX 1087 WAUSAU, WI 544021087 | $848K |
| DWIGHT ANDRUS INSURANCE AGENCY EIN 72-0490849 BROKER | Other commissions Service code 55 | 500 DOVER BLVD 110 LAFAYETTE, LA 70503 | $122K |
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 | 2,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,824 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,999 | $742K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,825 | $115K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,907 | $1.3M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,907 | $1.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,907 | $1.3M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,935 | $1.3M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,907 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,824 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.