| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $6K | $5K | $11K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $95 | $2K | 10.40% |
| WHITNEY FRITZE3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $183 | $605 | 4.09% |
| LEE E FRITZE3 Filed as: LEE E. FRITZE | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $93 | $137 | 0.93% |
| JACQUELYN CRONIN BEACH3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $52 | $89 | 0.60% |
| FRITZE BENEFITS3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $22 | $41 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $430 | $430 | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $276 | $2K | 26.30% |
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 | 76 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 30 | $215K |
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $15K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 30 | $215K |
| Life insurance | STANDARD INSURANCE COMPANY | 76 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 76 | $15K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $15K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 30 | $215K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 76 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.