| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SPEED3 Filed as: WILLIAM SHOEMAKE, III | 206 IVY BROOK CT MADISON, MS 39110 | BLUE CROSS BLUE SHIELD | $88K | — | $88K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 708106056 | RELIANCE STANDARD | $13K | — | $13K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $11K | $3K | $14K | 25.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $8K | $2K | $11K | 25.97% |
| ERIN K GIUSTI | 14635 SOUTH HARRELL'S FERRY RD BATON ROUGE, LA 70816 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 36.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 235 HIGHLAND DRIVE - SUITE 100 BATON ROUGE, LA 70810 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 24.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $4K | $1K | $5K | 25.81% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 291 | $1.8M |
| Dental | RELIANCE STANDARD | 413 | $128K |
| Vision | RELIANCE STANDARD | 413 | $128K |
| Life insurance | RELIANCE STANDARD | 225 | $18K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 225 | $73K |
| Long-term disability | RELIANCE STANDARD | 224 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.