| 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 | $26K | $10K | $36K | 4.33% |
| 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 | $23K | $5K | $28K | 22.46% |
| 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. | $7K | — | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 35230 THOMASVILLE RD STE 500 TALLAHASSEE, FL 323093435 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.18% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 891 BOURG, LA 70343 | AFLAC | $6K | — | $6K | 11.49% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 153 | $839K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 213 | $72K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 213 | $72K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 115 | $125K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 115 | $125K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 115 | $125K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 153 | $839K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 115 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.