| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $1K | $28K | 6.38% |
| GROUP BENEFITS LTD3 Filed as: GROUP INSURANCE INC | PO BOX 65133 BATON ROUGE, LA 70896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | — | $27K | 6.14% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $3K | $23K | 5.19% |
| PENTRA LLC3 | 795 E LANCASTER AVENUE VILLANOVA, PA 19085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $37 | $17K | 3.94% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $391 | $6K | 1.48% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $669 | $2K | 0.44% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $116 | $2K | 0.37% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $32 | $2K | 0.34% |
| LULU D HOTARD3 | 184 SAINT CALAIS PL MADISONVILLE, LA 70477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 0.14% |
| CHARLINE PARKER3 | 11136 HIGHWAY 28 BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $17 | $449 | 0.10% |
| WHITNEY FRITZE3 | 150 TUDOR AVE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.04% |
| LEE E FRITZE3 | 150 TUDOR AVE RIVER EDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $11 | $126 | 0.03% |
| MCKENZIE C KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.01% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.01% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| TAMARA ANNE HINES3 | 3030 LEADERSHIP PKWY UNIT 1010 RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROFESSIONAL CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| KATHLEEN A BARTLETT3 | 205 ELIAS G RD LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| THE MASSAD OLINDE GROUP LLC3 | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $1K | $15K | 16.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.10% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $821 | $7K | 11.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $684 | $684 | 1.10% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $842 | $10K | 16.39% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $702 | $702 | 1.16% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $674 | $99 | $773 | 11.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $83 | $83 | 1.23% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 292 | $439K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 335 | $507K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 568 | $533K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 572 | $62K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 335 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.