| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF LOUISIANA | $18K | $10K | $28K | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | STANDARD INSURANCE COMPANY | $2K | $209 | $2K | 9.14% |
| EDWARD L MARTINA JR3 | 4101 LAKE TRAIL DRIVE KENNER, LA 70065 | AFLAC | $694 | — | $694 | 3.62% |
| SHAWN M VINJU3 Filed as: SHAWN VINJU | 1612 SEVERN AVENUE METAIRIE, LA 70001 | AFLAC | $520 | $60 | $580 | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | AFLAC | $365 | — | $365 | 1.90% |
| ST THERESE MARKETING INC3 | 4101 LAKE TRAIL DRIVE KENNER, LA 70065 | AFLAC | $200 | — | $200 | 1.04% |
| SCOTT C MARTINA3 | 4924 CLEVELAND PLACE METAIRIE, LA 70003 | AFLAC | $174 | — | $174 | 0.91% |
| BRYAN J DODGE3 | 804 LYONS STREET NEW ORLEANS, LA 70115 | AFLAC | $96 | — | $96 | 0.50% |
| JAMES E VOGELAAR3 | 4528 TRANSCONTINENTAL DRIVE METAIRIE, LA 70006 | AFLAC | $86 | — | $86 | 0.45% |
| ROCKY B CUNNINGHAM JR3 | PO BOXX 84478 BATON ROUGE, LA 70884 | AFLAC | $61 | — | $61 | 0.32% |
| PATRICK J NEWSOM3 | 368 HIGHLAND OAKS AVENUE GRAY, LA 70359 | AFLAC | $47 | $11 | $58 | 0.30% |
| EDWARD L MARTINA III3 | 100 GENNA LANE YOUNGSVILLE, LA 70592 | AFLAC | $20 | — | $20 | 0.10% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DRIVE GRAY, LA 70359 | AFLAC | $17 | — | $17 | 0.09% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $12 | — | $12 | 0.06% |
| AMY BARYLAK3 Filed as: AMY JARREAU DANIELS | 10 COUNTRY CLUB PLACE BATON ROUGE, LA 70809 | AFLAC | $9 | — | $9 | 0.05% |
| ERIN K GIUSTI3 | 4828 FOLSE DRIVE METAIRIE, LA 70006 | AFLAC | $7 | — | $7 | 0.04% |
| ERROL B WILKEN3 | 5204 CRAIG AVENUE KENNER, LA 70065 | AFLAC | $7 | — | $7 | 0.04% |
| HEATHER M HEATON3 | 3203 NAPOLEON AVENUE NEW ORLEANS, LA 70125 | AFLAC | $7 | — | $7 | 0.04% |
| MARK D LUTHER3 | 300 LOOP ROAD SHERWOOD, AR 72120 | AFLAC | $5 | — | $5 | 0.03% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE SUITE 100 LAFAYETTE, LA 70508 | AFLAC | $3 | — | $3 | 0.02% |
| RYAN BENTON WILLIAMS3 | 12526 LAKE LAMOND AVENUE BATON ROUGE, LA 70816 | AFLAC | $2 | — | $2 | 0.01% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | STANDARD INSURANCE COMPANY | $2K | $165 | $2K | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 17900 CHENAL PARKWAY SUITE 100 LITTLE ROCK, AR 72223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.12% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 58 | $594K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $16K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $16K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 64 | $37K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 64 | $96K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $250K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 58 | $594K |
| Other(2 contracts, 2 carriers) | AFLAC | 64 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.