| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | $14K | $51K | 6.43% |
| DAVISON INSURANCE AGENCY, LLC3 Filed as: DAVISON INSURANCE AGENCY LLC | PO BOX 2110 MONROE, LA 71207 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $11K | $13K | 1.64% |
| DAVIDSON INSURANCE AGENCY, LLC3 | 2200 TOWER DRIVE MONROE, LA 71201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 11.09% |
| RACHEL THERIOT CURRY3 | 107 WINGED FOOT DR BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 9.49% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 9.25% |
| LEILANI THERIOT3 | 1017 SOLOMON STREET BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 9.25% |
| KEITH WILLIAM BELLE3 | 105 GENNA LN YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.04% |
| FORTH INSURANCE, LLC3 | 2200 TOWER DRIVE MONROE, LA 71201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.23% |
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 | 1,003 | 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) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,701 | $796K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,701 | $796K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,701 | $796K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,701 | $796K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 363 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
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.