| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE ELLIS DUCOTE3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $129K | — | $129K | 2.21% |
| DALE DUCOTE3 | 7932 SUMMA AVENUE, SUITE B1 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | — | $72K | 10.04% |
| JOHN K DAWES3 | 433 METAIRIE ROAD, SUITE 218 METAIRIE, LA 70005 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 433 METAIRIE ROAD, SUITE 218 METAIRIE, LA 70005 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 6.24% |
| DALE DUCOTE3 Filed as: DALE E DUCOTE | 7932 SUMMA AVENUE, SUITE B1 BATON ROUGE, LA 70809 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 13.00% |
| DALE DUCOTE3 | 7932 SUMMA AVENUE, SUITE B1 BATON ROUGE, LA 70809 | VISION SERVICE PLAN | $3K | — | $3K | 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 | 866 | 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) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,129 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,379 | $717K |
| Vision | VISION SERVICE PLAN | 653 | $65K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 718 | $159K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $72K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,129 | $5.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 866 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,379 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.