| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80217 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $12K | — | $12K | 1.85% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70818 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $2K | — | $2K | 0.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $57 | $4K | 4.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $513 | $513 | 0.56% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70818 | METROPOLITAN LIFE INSURANCE COMPANY | $243 | $46 | $289 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON COMPANIES EIN 20-3354970 BROKER | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Consulting fees Service code 15 | — | $33K |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 70 | $661K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $91K |
| Vision | EYEMED VISION CARE | 110 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $91K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $91K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $91K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 70 | $661K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.