| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR SUITE 200 BATON ROUGE, LA 708106056 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $36K | — | $36K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 11.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 2.95% |
| PLAN SOURCE BENEFIT ADMINISTRATORS3 Filed as: PLAN SOURCE BENEFIT ADMINISTRAT | P O BOX 1313 ORLANDO, FL 32802 | UNITED CONCORDIA INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $894 | $894 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 17.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $815 | $815 | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 22.56% |
| SCOTT FRANCINGUES3 | ARTHUR J GALLAGHER TWO PIERCE PLACE FLOOR 14 ITASCA, IL 601433414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | P O BOX 71542 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.95% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER JAMES WILSON | 6575 PFEIL RD SCHERTZ, TX 78154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.19% |
| CINDY V SHIELDS3 Filed as: CINDY SHIELDS | 3434 FM 1346 LAVERNIA, TX 78121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.19% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRL BULVERDE, TX 781632231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $880 | $880 | 3.12% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 | P O BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $563 | — | $563 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $487 | $487 | 2.50% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 136 | $721K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 93 | $48K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 136 | $721K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 417 | $51K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 417 | $67K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 417 | $67K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 417 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.