| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | DELTA DENTAL INSURANCE COMPANY | $119K | — | $119K | 3.83% |
| BENEFIT CONSULTANTS OF NORTH LA3 | 401 EDWARDS STREET, SUITE 1700 SHREVEPORT, LA 711015511 | CIGNA GROUP INSURANCE | $126K | — | $126K | 9.97% |
| BENEFIT CONSULTANTS OF NORTH LA3 | 401 EDWARDS STREET, SUITE 1700 SHREVEPORT, LA 711015511 | CIGNA GROUP INSURANCE | $97K | — | $97K | 10.00% |
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 | 6,701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,876 | $3.1M |
| Life insurance | CIGNA GROUP INSURANCE | 5,071 | $1.3M |
| Long-term disability | CIGNA GROUP INSURANCE | 5,070 | $974K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,071 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.