| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 W TUNNEL BLVD HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $111K | $44K | $155K | 4.18% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | COMPANION LIFE INSURANCE | $57K | — | $57K | 16.48% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT EMPLOYEE BENEFITS INC | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE | $16K | — | $16K | 4.72% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | MERITAIN HEALTH | $15K | — | $15K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY SUITE 200 ST LOUIS, MO 63141 | MERITAIN HEALTH | — | $10K | $10K | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $8K | $8K | 5.50% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | UNUM INSURANCE COMPANY | $6K | — | $6K | 18.40% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $5K | — | $5K | 20.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FIN SERVICES | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | UNUM INSURANCE COMPANY | $5K | — | $5K | 18.43% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 418 | $3.7M |
| Dental | MERITAIN HEALTH | 334 | $150K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 310 | $40K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 470 | $369K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 470 | $368K |
| Long-term disability | COMPANION LIFE INSURANCE | 470 | $344K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 418 | $3.7M |
| Other | UNUM INSURANCE COMPANY | 132 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.