| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABI SERVICE CORPORATION3 | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $35K | $35K | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON | 3657 BRIARPARK DRIVE STE 700 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 13.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$593 | -$593 | -0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$6K | — | -$6K | -1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 12.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON | 3657 BRIARPARK DRIVE STE 700 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 16.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$188 | -$188 | -0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -1.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON | 3657 BRIARPARK DRIVE STE 700 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$71 | -$71 | -0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$852 | — | -$852 | -1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON | 3657 BBRIARPARK DRIVE STE 700 HOUSTON, TX 77042 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 13.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | -$52 | -$52 | -0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | -$250 | — | -$250 | -1.11% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 411 | $3.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $198K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 178 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $722K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $550K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 411 | $3.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.