| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DR SUITE 306 METAIRIE, LA 700021739 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $43K | $3K | $46K | 4.23% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DRIVE STE. 306 METAIRIE, LA 700021739 | HUMANADENTAL INSURANCE COMPANY | $5K | $3K | $8K | 8.01% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DR SUITE 306 METAIRIE, LA 700021739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DR SUITE 306 METAIRIE, LA 700021739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | — | $820 | 10.00% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DR. STE. 306 METAIRIE, LA 700021739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DR SUITE 306 METAIRIE, LA 700021739 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | — | $503 | 10.00% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 235 | $1.1M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 265 | $100K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 265 | $100K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $7K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.