| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $29K | $38K | $67K | 2.93% |
| GREGORY BENEFITS & CONSULTING LLC3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $39K | — | $39K | 1.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $21K | 18.00% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP | 106 OIL CENTER DR STE 250 LAFAYETTE, LA 70503 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.05% |
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E. COLLEGE ST. LAKE CHARLES, LA 70605 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.53% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DR STE 250 LAFAYETTE, LA 70503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9039 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.79% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | 106 OIL CENTER DR STE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 349 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $115K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $92K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $92K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $92K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 349 | $2.3M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.