| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 1041 CHINABERRY DRIVE, STE 300 BOSSIER CITY, LA 711112438 | AMERITAS LIFE INSURANCE CORP | $151K | $719 | $152K | 5.01% |
| BENEFIT CONSULTANTS OF NORTH LA3 | 401 EDWARDS STREET, SUITE 1700 SHREVEPORT, LA 711015511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $187K | $19K | $205K | 11.00% |
| BENEFIT CONSULTANTS OF NORTH LA3 | 401 EDWARDS STREET, SUITE 1700 SHREVEPORT, LA 711015511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86K | — | $86K | 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 | 7,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 4,773 | $3.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,403 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,255 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,403 | — |
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.