| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $41K | — | $41K | 3.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 4615 PARLIAMENT DR, STE 200 ALEXANDRIA, LA 71303 | GUARDIAN | $34K | — | $34K | 9.84% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | GUARDIAN | $17K | — | $17K | 4.92% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | GUARDIAN | $10K | $3K | $13K | 3.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ELIZABETH MINVIELLE BROWN & BROWN | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | AMFIRST | $7K | — | $7K | 15.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $2K | — | $2K | 5.00% |
| MATTHEW HERREN MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $2K | — | $2K | 4.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 189 | $1.2M |
| Dental | GUARDIAN | 192 | $347K |
| Vision | GUARDIAN | 192 | $347K |
| Life insurance | GUARDIAN | 192 | $347K |
| Short-term disability | GUARDIAN | 192 | $347K |
| Long-term disability | GUARDIAN | 192 | $347K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 189 | $1.2M |
| Other | GUARDIAN | 192 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.