| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL CRAWFORD DORTON3 | 605 BRIAR RIDGE DRIVE BELLVILLE, TX 77418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 20.97% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD, SUITE 110 LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $0 | $58K | 100.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $580 | $0 | $580 | 15.01% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $52K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 170 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.