| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HTS, IL 60006 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $32K | — | $32K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS BATON ROUGE | 235 HIGHLANDIA DRIVE SUITES 100/200 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $10K | $10K | 1.03% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | COMBINED INSURANCE | $26K | — | $26K | 42.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3095 ARLINGTON HTS, IL 60006 | COMBINED INSURANCE | $8K | — | $8K | 12.71% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS INC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | COMBINED INSURANCE | $12K | — | $12K | 58.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | PO BOX 3095 ARLINGTON HTS, IL 60006 | COMBINED INSURANCE | $6K | — | $6K | 31.50% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $839 | — | $839 | 10.00% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 143 | $925K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $92K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $19K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 607 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $79K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $50K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 143 | $925K |
| Other(5 contracts, 2 carriers) | COMBINED INSURANCE | 607 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.