| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY FINANCIAL INSURANCE CENTE | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $61K | $29K | $91K | 5.18% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.62% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY FINANCIAL INSURANCE CENTE | 2201 FORSYTHE MONROE, LA 71201 | EQUITABLE | $7K | — | $7K | 12.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE | $5K | — | $5K | 8.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $2K | $2K | 3.38% |
| BUSINESS BENEFIT CONSULTANTS LLC3 Filed as: BUSINESS BENEFIT CONSULTANTS, LLC | 2483 TOWER DRIVE SUITE 5 MONROE, LA 71201 | EQUITABLE | $1K | — | $1K | 2.03% |
| KEVIN RALPH HOPPER3 Filed as: KEVIN SUMLIN | — | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $2K | — | $2K | 11.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $709 | $711 | $1K | 9.97% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY FINANCIAL INSURANCE CENTE | — | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $1K | — | $1K | 8.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 165 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $136K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $136K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $192K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $192K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $192K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 165 | $1.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
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.