| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA | PO BOX 1269 HOUMA, LA 703611269 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 4.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 1051 W. TUNNEL BLVD HOUMA, LA 70360 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 17.63% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT DENTAL INSURANCE | 106 PARK PLACE, STE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 6.19% |
| SEE ATTACHMENT3 | — | AFLAC | $12K | $378 | $13K | 15.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA | 1051 W TUNNEL BLVD HOUMA, LA 70360 | MERITAIN HEALTH | $8K | — | $8K | 10.00% |
| MERITAIN HEALTH5 | 9201 WATSON RD STE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | — | $5K | $5K | 6.32% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $4K | $4K | 5.00% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.7M |
| Dental | MERITAIN HEALTH | 107 | $79K |
| Vision | MERITAIN HEALTH | 107 | $79K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 127 | $113K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 127 | $113K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 127 | $113K |
| Other | COMPANION LIFE INSURANCE COMPANY | 127 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.