| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGY | 600 JEFFERSON ST., STE 200 LAFAYETTE, LA 70501 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $103K | $46K | $149K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 3300 W ESPLANADE AVE, ST 301 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $0 | $10K | $10K | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGEN | 600 JEFFERSON ST., STE 200 LAFAYETTE, LA 70501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 10.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 6.69% |
| SOUTHERN NATL MKTG COMPANY3 Filed as: SOUTHERN NATL MKTG CO | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 4.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGY | 600 JEFFERSON ST, STE 200 LAFAYETTE, LA 70501 | AMERITAS LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGY | P O BOX 2456 LAFAYETTE, LA 70502 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 15.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $456 | $456 | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | -$49 | $0 | -$49 | -0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-2619259 N/A | Actuarial Service code 11 | — | $28K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 N/A | Legal Service code 29 | — | $9K |
| BOURGEOIS BENNETT, LLC EIN 72-0136870 N/A | Accounting (including auditing) Service code 10 | — | $9K |
| PERSON CPA GROUP EIN 26-1639295 N/A | Accounting (including auditing) Service code 10 | — | $8K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Other services Service code 49 | — | $6K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 561 | $3.4M |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 596 | $229K |
| Vision(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 596 | $229K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 477 | $208K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 561 | $3.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 447 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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."
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.