| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $79K | — | $79K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6300 CORPORATE BLVD, STE 250 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 7.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, LLC | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF LOUISIANA, LLC CONTRACT | Insurance agents and brokers Service code 22 | 400 E KALISTE SALOOM RD, STE 1100 LAFAYETTE, LA 70508 | $85K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 409 | $2.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 260 | $126K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 260 | $126K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $174K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 409 | $2.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $174K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.