| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF SEIBELS & WILLIAMS OF LA | 3850 N CAUSEWAY BLVD 1970 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $121K | — | $121K | 2.78% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | POBOX 60970 LAFAYETTE, LA 70596 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $9K | $23K | $33K | 0.75% |
| ASSUREDPARTNERS Filed as: DWIGHT ANDRUS INSURANCE AGY | 500 DOVER BLVD LAFAYETTE, LA 70503 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $37K | — | $37K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SEIBELS & WILLIAMS | 818 TOWN COUNTRY BLVD SUITE 500 HOUSTON, TX 77024 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 12.66% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,212 | $4.3M |
| Dental | GUARDIAN LIFE INSURANCE CO OF AMERICA | 383 | $368K |
| Vision | GUARDIAN LIFE INSURANCE CO OF AMERICA | 383 | $368K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO OF AMERICA | 383 | $577K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 382 | $209K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 382 | $209K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,212 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.