| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CENTER, LLC | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $61K | $24K | $85K | 3.83% |
| INTEGRA INSURANCE SERVICES LLC3 | 5702 MANCUSO LANE BATON ROUGE, LA 70809 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $5K | $14K | $19K | 0.88% |
| INTEGRA INSURANCE SERVICES LLC3 | 4212 AMERICAN WAY STE A BATON ROUGE, LA 70816 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 6.10% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 2.37% |
| ROXY KUGLER3 | 20031 LOUISIANA HWY 16 DENHAM SPRINGS, LA 70726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.89% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CENTER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.24% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $851 | — | $851 | 1.68% |
| INTEGRA INSURANCE SERVICES LLC3 | 5702 MANCUSO LANE BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | — | $529 | 1.05% |
| GREG H TOWN3 | 4826 JAMESTOWN AVE STE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 0.91% |
| RUTHIE A LAGRONE3 Filed as: RUTHIE LAGRONE | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.14% |
| HIDALGO HEALTH ASSOCIATES3 | 4637 JAMESTOWN AVENUE BATON ROUGE, LA 70808 | HIDALGO HEALTH ASSOCIATES | — | $8K | $8K | — |
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 | 1,091 | 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) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 286 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $477K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $477K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $527K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $527K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $477K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 286 | $2.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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.
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.