| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $40K | — | $40K | 2.85% |
| GROUP INS. ASSOCIATES, INC.3 Filed as: GROUP INS ASSOC INC | 3421 N CAUSWAY BLVD STE 304 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $16K | $16K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BR | 9270 SIEGEN LN BLDG 201 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $9K | $9K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $5K | — | $5K | 13.92% |
| GROUP INS. ASSOCIATES, INC.3 Filed as: GROUP INS ASSOC INC | 3421 N CAUSWAY BLVD STE 304 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $735 | $735 | 2.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BR | 9270 SIEGEN LN BLDG 201 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $496 | $496 | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $8K | — | $8K | 62.62% |
| GROUP INS. ASSOCIATES, INC.3 Filed as: GROUP INS ASSOC INC | 3421 N CAUSWAY BLVD STE 304 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $316 | $316 | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BR | 9270 SIEGEN LN BLDG 201 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $191 | $191 | 1.43% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $1.4M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 209 | $13K |
| Life insurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 65 | $33K |
| Short-term disability | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 65 | $33K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $1.4M |
| Other | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 65 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.