| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 2800 VETERANS BOULEVARD, SUITE 365 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $78K | $38K | $116K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $25K | $0 | $25K | 0.92% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 2800 VETERANS BOULEVARD, SUITE 365 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 16.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $614 | $614 | 0.36% |
| HOLLIS COMPANIES LLC3 Filed as: HOLLIS COMPANIES, LLC | 2800 VETERANS BOULEVARD METAIRIE, LA 70002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 8.18% |
| MOHR BENEFITS LLC3 Filed as: MOHR BENEFITS, LLC | 3515 MELVIL DEWEY METAIRIE, LA 70002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $572 | $7K | 6.01% |
| MICHELLE MOHR PARADISE3 | 117 CHATEAU LATOUR KENNER, LA 70065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 1.54% |
| GARL L. ROSIERE3 | PO BOX 2721 GRETNA, LA 70053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $561 | $11 | $572 | 0.50% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.07% |
| MJ INSURANCE3 Filed as: DEMAND INS. AND VARIOUS AGENTS | 5819 MARCIA AVENUE NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.05% |
| MARK E. LEVEQUE3 | 4413 HENICAN PLACE METAIRIE, LA 70003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 584 | $2.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 584 | $2.7M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 584 | $2.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $171K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 119 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $171K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 584 | $2.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
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.