| 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 | 5.24% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $281 | — | $281 | 0.38% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 21.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $950 | — | $950 | 3.88% |
| LESTER, GREENE, MCCORD & THOMA INSU3 Filed as: LESTER & GREENE INS | PO BOX 40 TULLAHOMA, TN 37388 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.68% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA INSURANCE COMPANY | $371 | — | $371 | 2.06% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $501 | — | $501 | 4.11% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 19.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $531 | — | $531 | 5.56% |
| LESTER, GREENE, MCCORD & THOMA INSU3 | 115 WEST LAUDERDALE TULLAHOMA, TN 37388 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 21.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $294 | — | $294 | 3.72% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROSCOMMON INSURANCE | 84 | $225K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 109 | $75K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 109 | $75K |
| Life insurance | HUMANA INSURANCE COMPANY | 159 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 46 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $12K |
| Other(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 159 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.