| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD, STE 200 METAIRIE, LA 70005 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $142K | $41K | $183K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD, STE 200 METAIRIE, LA 70005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 12.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-2619259 N/A | Actuarial Service code 11 | P O BOX 56268 METAIRIE, LA 70055 | $27K |
| BOURGEOIS BENNETT, LLC EIN 72-0136870 N/A | Accounting (including auditing) Service code 10 | — | $13K |
| PERSON CPA GROUP EIN 26-1639295 N/A | Accounting (including auditing) Service code 10 | — | $5K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 252 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $246K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 252 | $3.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $246K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 252 | $3.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.