| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 15.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | TRANSAMERICA LIFE INSURANCE COMPANY | $35K | — | $35K | 17.61% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 1350 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 13.58% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.24% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSUREDPARTNERS GULF COAST INS AGCY DENTAL/VISION COMMISSIONS | Insurance brokerage commissions and fees Service code 53 | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | $149K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL/VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $99K |
| HONESTRX CONSULTING, LLC MEDICAL BROKER FEES | Insurance brokerage commissions and fees Service code 53 | 550 RESERVE STREET SUITE 190 SOUTHLAKE, TX 76092 | $73K |
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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 973 | $250K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 972 | $146K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 973 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.