| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY | 600 JEFFERSON ST. - SUITE 200 LAFAYETTE, LA 70501 | AETNA HEALTH, INC. | $12K | — | $12K | 3.82% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET-SUITE 234 PHOENIZ, AZ 85018 | AETNA HEALTH, INC. | $4K | — | $4K | 1.43% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY | 600 JEFFERSON STREET - SUITE 200 LAFAYETTE, LA 70501 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.91% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET-SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.47% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY | 600 JEFFERSON STREET-SUITE 200 LAFAYETTE, LA 70501 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 14.91% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET-SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.97% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY, LLC | PO BOX 2456 LAFAYETTE, LA 70502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 137 | $485K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $38K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 118 | $58K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 118 | $58K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 118 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.