| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA INC | P. O. BOX 81248 LAFAYETTE, LA 705981248 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $55K | $39K | $94K | 5.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA INC | 4615 PARLIAMENT DR. STE 200 ALEXANDRIA, LA 71303 | GUARDIAN LIFE INSURANCE COMPANY | $39K | $11K | $51K | 16.30% |
| TAMMY M GASPARD3 Filed as: TAMMY LOUVIERE | 307 WILLOW WOOD DR. NEW IBERIA, LA 70563 | LIFESECURE INSURANCE COMPANY | $925 | — | $925 | 10.01% |
| PREMIER SENIOR MARKETING3 | 705 W. BENJAMIN AVE. NORFOLK, NE 68701 | LIFESECURE INSURANCE COMPANY | $278 | — | $278 | 3.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA INC | 6300 CORPORATE BLVD., SUITE 250 BATON ROUGE, LA 70809 | TRANSAMERICA | $2K | — | $2K | 30.71% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 409 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 180 | $310K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 180 | $310K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 180 | $317K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 180 | $310K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 180 | $310K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 409 | $1.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 180 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.