| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $33K | $18K | $50K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $4K | $4K | 0.35% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $421 | $6K | 10.81% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $259 | $4K | 10.75% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $186 | $2K | 9.86% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $231 | $231 | 1.84% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $116 | $1K | 9.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $708 | — | $708 | 6.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $590 | — | $590 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $329 | $165 | $494 | 15.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $329 | $27 | $356 | 10.81% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 88 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 88 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $34K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.