| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA | PO BOX 2140 MANDEVILLE, LA 704702140 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $33K | $12K | $45K | 3.62% |
| ROBERT ELLIS AND ASSOCIATES3 | PO BOX 2140 MANDEVILLE, LA 704702140 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $10K | — | $10K | 0.83% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.20% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA | PO BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON RD-STE 200 ST LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $980 | $980 | 5.00% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | — | $980 | $980 | 5.00% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 26.30% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.73% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.13% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $757 | — | $757 | 4.14% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 30.90% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $788 | — | $788 | 6.73% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 39.45% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $900 | — | $900 | 7.71% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 31.03% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $803 | — | $803 | 7.12% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.60% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 4.81% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.87% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | — | $509 | 5.84% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 34.10% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $564 | — | $564 | 6.61% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 42.22% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | — | $874 | 11.01% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 26.09% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | — | $411 | 5.38% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 25.57% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 4.99% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.01% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 3.42% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $342 | — | $342 | 8.78% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.77% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 15.89% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 2.65% |
| RIEHM BENEFITS LLC3 | 4132 ST ELIZABETH DR KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 27.14% |
| RICHARD MAURICE ROJAS III3 | 821 FRANKLIN AVE HARAHAN, LA 70123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 5.71% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 298 | $1.2M |
| Vision | COMPANION LIFE INSURANCE COMPANY | 186 | $20K |
| Life insurance(15 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $157K |
| Short-term disability(16 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $157K |
| Long-term disability(16 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $157K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 298 | $1.2M |
| Other(15 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.