| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 100 BATON ROUGE, LA 70810 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $66K | $44K | $110K | 5.02% |
| LABI SERVICE CORPORATION3 | 113 VALLEY CREEK DR BATON ROUGE, LA 708980258 | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $30K | $30K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 100 BATON ROUGE, LA 70810 | UNION SECURITY INSURANCE COMPANY | $116K | $22K | $138K | 17.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 100 BATON ROUGE, LA 70810 | ONEAMERICA | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 100 BATON ROUGE, LA 70810 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 12.00% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 354 | $2.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 277 | $805K |
| Vision | NATIONAL GUARDIAN LIFE | 151 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 277 | $829K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 277 | $805K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 277 | $805K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 354 | $2.2M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 277 | $829K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.