| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESTER, GREENE, MCCORD & THOMA INSU3 Filed as: LESTER & GREENE INS | PO BOX 40 TULLAHOMA, TN 37388 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $4K | — | $4K | 5.69% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $3K | — | $3K | 4.10% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | -$1 | — | -$1 | -0.00% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| LESTER, GREENE, MCCORD & THOMA INSU3 Filed as: LESTER & GREENE INS | PO BOX 40 TULLAHOMA, TN 37388 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 14.28% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA INSURANCE COMPANY | $806 | — | $806 | 4.25% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA INSURANCE COMPANY | $47 | — | $47 | 0.25% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.01% |
| LESTER, GREENE, MCCORD & THOMA INSU3 Filed as: LESTER,M GREENE, MCCORD & THOMA INS | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RISCOMMON INSURANCE | 84 | $245K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 121 | $73K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 121 | $73K |
| Life insurance | HUMANA INSURANCE COMPANY | 206 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $12K |
| Other(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 206 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.