| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 1051 W TUNNEL BLVD HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $24K | $11K | $35K | 5.02% |
| CHRISTIAN LAPEYRE INS SERVICES INC3 | 1051 W TUNNEL BLVD HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $2K | — | $2K | 0.29% |
| ALFORD, STAPLES, LAPEYRE & ROBICHAU3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $2K | $2K | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | P. O. BOX 1269 HOUMA, LA 70361 | SYMETRA LIFE INSURANCE COMPANY | $21K | $4K | $25K | 21.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 891 BOURG, LA 70343 | AFLAC | $10K | $428 | $10K | 19.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | P. O. BOX 1269 HOUMA, LA 703611269 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 1051 W TUNNEL BLVD HOUMA, LA 70360 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 19.09% |
| 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 | $180 | — | $180 | 9.99% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST. LOUIS, MO 63141 | COMPANION LIFE INSURANCE COMPANY | — | $90 | $90 | 4.99% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | — | $90 | $90 | 4.99% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 179 | $688K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 233 | $52K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 233 | $54K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 124 | $135K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 124 | $135K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 124 | $135K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 179 | $688K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 124 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.