| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $44K | $0 | $44K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 12.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 1298 OPELOUSAS, LA 70571 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $224 | $2K | 6.71% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $149 | $600 | 2.68% |
| MJ INSURANCE3 Filed as: JOEY MIGUES AND VARIOUS AGENTS | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $101 | $531 | 2.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $476 | $0 | $476 | 2.12% |
| JS YOUNG AND ASSOCIATES3 Filed as: J.S. YOUNG AND ASSOCIATES | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | $100 | $471 | 2.10% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | $56 | $435 | 1.94% |
| MOORE ADVISORY GROUP LLC3 | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $12 | $271 | 1.21% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 195 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $282K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $282K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $282K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $282K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $282K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 195 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.