| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARIS INSURANCE AGENCY LLC3 | PO BOX 559 LOCKPORT, LA 70374 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 4.65% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUSIANA FINANCIAL SERVICES L | 315 SOUTH HOLLYWOOD DRIVE HOUMA, LA 70360 | UNITEDHEALTHCARE INSURANCE COMPANY | $126 | — | $126 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. LA | 235 HIGHLANDIA DRIVE SUITE 200 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $102 | — | $102 | 0.01% |
| LARIS INSURANCE AGENCY LLC3 | 810 CRESCENT LOCKPORT, LA 70374 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.95% |
| LARIS INSURANCE AGENCY LLC3 | PO BOX 559 LOCKPORT, LA 70374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| KELLY S MURPHY3 | PO BOX 1763 MANDEVILLE, LA 70470 | TRANSAMERICA | $9K | — | $9K | 29.53% |
| LARIS INSURANCE AGENCY LLC3 | PO BOX 559 LOCKPORT, LA 70374 | TRANSAMERICA | $7K | — | $7K | 22.53% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 3975 O'NEAL LANE SUITE B BATON ROUGE, LA 70816 | TRANSAMERICA | $4K | — | $4K | 11.89% |
| LARIS INSURANCE AGENCY LLC3 | P.O. BOX 559 LOCKPORT, LA 70374 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 8.30% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $823K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 119 | $20K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 151 | $90K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 151 | $90K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 151 | $90K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 284 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.