| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $48K | $24K | $72K | 4.46% |
| LABI SERVICE CORPORATION | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $26K | $26K | 1.63% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC | 106 OIL CENTER DR STE 250 LAFAYETTE, LA 705032459 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 11.61% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $5K | $20K | 6.24% |
| SEE ATTACHMENT3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $28K | $59K | 105.70% |
| SEE ATTACHMENT3 | — | AFLAC | $2K | $29 | $2K | 13.65% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 317 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $316K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $316K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $372K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $316K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $316K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 317 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.