| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 255 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $6K | $7K | $14K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | STANDARD INSURANCE COMPANY | $5K | $1K | $7K | 18.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $198 | $3K | 10.53% |
| WHITNEY FRITZE3 | 150 TUDOR AVENUE NEW ORLEANS, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 9.17% |
| LEE E FRITZE3 Filed as: LEE E. FRITZE | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $590 | $706 | 2.92% |
| JACQUELYN CRONIN BEACH3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $459 | $544 | 2.25% |
| ELIZABETH KATHLEEN BLAIR3 | 3179 CLUBVIEW COVES NORTH LAKELAND, TN 38002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.05% |
| ANN HENRY CONSULTING LLC3 Filed as: ANN HENRY CONSULTING, LLC | 2045 GALLINA CIRCLE COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $1K | $6K | 30.59% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 44 | $276K |
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $24K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 44 | $276K |
| Life insurance | STANDARD INSURANCE COMPANY | 147 | $36K |
| Short-term disability | STANDARD INSURANCE COMPANY | 147 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 147 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 44 | $276K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.