| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHPLUS OF NEW ORLEANS LLC3 Filed as: HEALTHPLUS OF NEW ORLEANS, LLC | 433 METAIRIE ROAD, SUITE 218 METAIRIE, LA 70005 | AETNA LIFE INSURANCE CO. | $199K | — | $199K | 4.44% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $87K | — | $87K | 1.94% |
| CHARLES KEITH JOHNSON3 | 6732 LOUIS XIV STREET NEW ORLEANS, LA 70124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.72% |
| CHARLES KEITH JOHNSON3 | 6732 LOUIS XIV STREET NEW ORLEANS, LA 70124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | — | $1K | 11.58% |
| CHARLES KEITH JOHNSON3 | 6732 LOUIS XIV STREET NEW ORLEANS, LA 70124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $350 | — | $350 | 10.00% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 626 | $4.6M |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $765K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $670K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $670K |
| Short-term disability | AFLAC | 5 | $12K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $670K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 626 | $4.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.