| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LIC | 5020 UTICA ST METAIRIE, GA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $170K | — | $170K | 8.88% |
| ELLSWORTH CORPORATION3 | 3636 S.1-10 SERVICE RD METAIRIE, LA 70001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 2.86% |
| ELLSWORTH CORPORATION3 | 3636 S.1-10 SERVICE RD STE 101 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 2.41% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $26K | $108K | 6.56% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA ST METAIRIE, LA 700066444 | VISION SERVICE PLAN | $52K | — | $52K | 12.49% |
| ELLSWORTH CORPORATION3 | 3636 S I 10 SERVICE RD W METAIRIE, LA 700016418 | VISION SERVICE PLAN | $11K | — | $11K | 2.51% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | HARTFORD LIFE AND ACCIDENT | $579 | — | $579 | 14.99% |
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 | 4,618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,686 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,962 | $420K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,460 | $1.9M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,460 | $1.9M |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 3,648 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,596 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,686 | — |
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.