| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOREMAN MOORE & COMPANY INC3 Filed as: MOREMAN, MOORE & CO., INC. | 820 JORDAN ST STE 400 SHREVEPORT, LA 71101 | BLUE CROSS AND BLUE SHEILD OF LOUISIANA | $62K | $11K | $73K | 4.15% |
| MOREMAN MOORE & COMPANY INC3 | 820 JORDAN STREET SUITE 400 SHREVEPORT, LA 71101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| MOREMAN MOORE & COMPANY INC3 | 820 JORDAN STREET SUITE 400 SHREVEPORT, LA 71101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MOREMAN MOORE & COMPANY INC3 | 820 JORDAN STREET SUITE 400 SHREVEPORT, LA 71101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MOREMAN MOORE & COMPANY INC3 | 820 JORDAN STREET SUITE 400 SHREVEPORT, LA 71101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.98% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DRIVE APARTMENT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 2.98% |
| BRAZZEL DILLARD3 | 1705 SIMMONS STREET ALEXANDRIA, LA 71301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.71% |
| DAVID COHRAN3 | 212 GRIFFITH STREET PINEVILLE, LA 71360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.71% |
| MOREMAN MOORE & COMPANY INC3 | 820 JORDAN STREET SUITE 400 SHREVEPORT, LA 71101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $516 | — | $516 | 14.99% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD OF LOUISIANA | 255 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $118K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $57K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.