| 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 | $96K | — | $96K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 708106056 | RELIANCE STANDARD | $14K | — | $14K | 10.00% |
| GIUSTI ERNEST | 4828 FOLSE DR METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 29.37% |
| GALLAGHER BENEFIT SERVICES, INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 20.62% |
| GIUSTI ERNEST | 4828 FOLSE DR METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 15.63% |
| GALLAGHER BENEFIT SERVICES, INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $957 | $957 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $659 | $659 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $18K | $2K | $20K | 21.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $14K | $1K | $15K | 21.87% |
| ERIN K GIUSTI Filed as: ERIN K. GIUSTI | 14635 S HARRELLS FERRY RD, STE 6C BATON ROUGE, LA 70816 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 25.38% |
| GALLAGHER BENEFIT SERVICES, INC. | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 16.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD | $6K | $526 | $6K | 21.93% |
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 | 324 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 324 | $2.0M |
| Dental | RELIANCE STANDARD | 455 | $144K |
| Vision | RELIANCE STANDARD | 455 | $144K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 222 | $135K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD | 222 | $158K |
| Long-term disability | RELIANCE STANDARD | 222 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.