| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT & BROKERAGE3 Filed as: BENEFIT MANAGEMENT & BROKERAGE, INC | 107 SMART PLACE SLIDELL, LA 70458 | UNITEDHEALTHCARE INSURANCE COMPANY | $168K | $0 | $168K | 3.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 0.75% |
| BENEFIT MANAGEMENT & BROKERAGE3 Filed as: BENEFIT MANAGEMENT AND BROKERS, INC | 107 SMART PLAZA SLIDELL, LA 70458 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 250 AUSTIN, TX 78731 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.51% |
| JAMI KAY FAIRCHILD3 | 6635 ANTIOCH CROSSING BATON ROUGE, LA 70817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 25.56% |
| BENEFIT MANAGEMENT & BROKERAGE3 Filed as: BENEFIT MANAGEMENT & BROK INC. | 107 SMART PLACE SLIDELL, LA 70458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 18.21% |
| ETHAN BOUILLION3 | 2750 MILLERVILLE ROAD APARTMENTT 12-204 BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.71% |
| JOHN R CAMBRE3 Filed as: JOHN REYNOLDS CAMBRE | 10093 ISLAND ROAD VENTRESS, LA 70783 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.11% |
| EBERSOLE & ASSOCIATES, INC.4 Filed as: EBERSOLE AND ASSOCIATES, INC. | 1301 NORTH RAMPART STREET APARTMENT 305 NEW ORLEANS, LA 70116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 16.64% |
| LUTGARDO MOYA4 | 2510 YOW ROAD GREENSBORO, NC 27407 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | $0 | $20 | 0.11% |
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 | 672 | 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) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $216K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 768 | $216K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.0M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.