| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DR SUITE 306 METAIRIE, LA 700021739 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $59K | $9K | $68K | 4.44% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DRIVE STE 301 METAIRIE, LA 700021739 | HUMANADENTAL INSURANCE COMPANY | $4K | $2K | $5K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 15.62% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3612 RIDGELAKE DR STE 306 METAIRIE, LA 700021703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | — | $658 | 0.96% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DR STE 301 METAIRIE, LA 700021739 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $2K | $353 | $3K | 11.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 20.75% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3612 RIDGELAKE DR STE 306 METAIRIE, LA 700021703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $214 | — | $214 | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $951 | $707 | $2K | 15.73% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3612 RIDGELAKE DR STE 306 METAIRIE, LA 700021703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $103 | — | $103 | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | $385 | $919 | 15.54% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3612 RIDGELAKE DR STE 306 METAIRIE, LA 700021703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57 | — | $57 | 0.96% |
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 | 275 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 305 | $1.5M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 335 | $122K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 333 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $14K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.