| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SPEED3 Filed as: WILLIAM SHOEMAKE, III | 6421 PERKINS ROAD, BUILDING A BATON ROUGE, LA 70808 | BLUE CROSS BLUE SHIELD | $95K | — | $95K | 5.00% |
| CHRISTOPHER BAILEY | 11716 VILLA AVENUE BATON ROUGE, LA 70810 | VANTAGE HEALTH PLAN, INC. | $7K | — | $7K | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $19K | — | $19K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6421 PERKINS ROAD, BUILDING A BATON ROUGE, LA 70808 | RELIANCE STANDARD | $18K | $2K | $20K | 24.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6421 PERKINS ROAD, BUILDING A BATON ROUGE, LA 70808 | RELIANCE STANDARD | $13K | $1K | $15K | 24.00% |
| STEVE A CALVERT3 Filed as: STEVE A. CALVERT | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $217 | $4K | 7.18% |
| GROUP VOLUNTARY BENEFITS LLC Filed as: GROUP VOLUNTARY BENEFITS, LLC | 201 WILDWOOD DRIVE HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $570 | $2K | 3.32% |
| LOUISIANA COMPANIES3 Filed as: LOUISIANA COMPANIES, INC. | P.O. BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| GREG H TOWN3 Filed as: GREG H. TOWN | 4664 JAMESTOWN AVENUE,SUITE 240 BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | — | $666 | 1.18% |
| MIKE TERRY3 | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $216 | $427 | 0.76% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 205 PINCREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $67 | $376 | 0.67% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $33 | $244 | 0.43% |
| JAMES DAVID HALL3 | 506 W. HIGH STREET MT. STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.18% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.12% |
| JS YOUNG AND ASSOCIATES Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE CT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $15 | $61 | 0.11% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.10% |
| ROXY KUGLER3 | 1961 S WOODCREST STREET DENHAM SPRINGS, LA 70726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.05% |
| NANCY S TALLEY3 Filed as: NANCY S. TALLEY | P.O. BOX 5672 BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| TRACY HANAGRIFF3 | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.02% |
| RUTHIE A LAGRONE3 Filed as: RUTHIE A. LAGRONE | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| NICOLE B PEARCE3 Filed as: NICOLE RENEE BEAUCOUDRAY | 17056 ABITA AVE PRAIRIEVILLE, LA 70769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RICHARD C LANDMANN3 Filed as: RICHARD C. LANDMANN | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MICHAEL EMIDY | P.O. BOX 2021 RIDGELAND, MS 39158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GARLAND INSURANCE INC3 Filed as: GARLAND INSURANCE, INC. | 6254 WATERFORD DRIVE JACKSON, MS 39211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6421 PERKINS ROAD, BUILDING A BATON ROUGE, LA 70808 | RELIANCE STANDARD | $5K | $505 | $5K | 23.98% |
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 | 585 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 486 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 565 | $2.1M |
| Vision | RELIANCE STANDARD | 565 | $186K |
| Life insurance | RELIANCE STANDARD | 308 | $22K |
| Short-term disability | RELIANCE STANDARD | 1 | $84K |
| Long-term disability | RELIANCE STANDARD | 308 | $61K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.