| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCOMP0 Filed as: HEALTHCOMP INTEGRATED SOLUTIONS, LL | 2100 CONVINGTON CENTRE STE B COVINGTON, LA 70433 | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | — | $101K | $101K | 10.79% |
| GILSBAR GROUP BENEFITS LLC3 Filed as: GILSBAR GROUP BENEFIT LLC | 2100 COVINGTON CETNRE STE A COVINGTON, LA 70433 | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | $57K | — | $57K | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | $19K | — | $19K | 2.01% |
| GILSBAR, LLC3 Filed as: GILSBAR | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 20.00% |
| FRANK B SMITH3 | 2252 S NOBILE ST PAULINA, LA 70763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES STE T | 3888 S SHERWOOD FOREST BLVD BATON ROUGE, LA 70816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $747 | — | $747 | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $227 | $227 | 0.75% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | 224 | $940K |
| Dental | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | 224 | $940K |
| Life insurance(2 contracts, 2 carriers) | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | 224 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | HEALTHCOMP INTERGRATED SOLUTIONS, LLC | 224 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.