| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD METAIRIE, LA 70005 | HUMANA | $73K | — | $73K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASKA, IL 60143 | HUMANA | — | $3K | $3K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE-BATON ROU | 235 HIGHLANDIA DR STE 200 BATON ROUGE, LA 70810 | HUMANA | — | $1K | $1K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS MEMORIAL BLVD STE 1130 METAIRIE, LA 70005 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 240 | $2.1M |
| Dental | HUMANA | 240 | $2.1M |
| Vision | HUMANA | 240 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | HUMANA | 394 | $2.2M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 394 | $129K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 394 | $129K |
| Other(2 contracts, 2 carriers) | HUMANA | 394 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.