| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR GROUP BENEFITS LLC Filed as: GILSBAR GROUP BENEFITS, LLC | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $69K | $38K | $107K | 5.42% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CTR STE A COVINGTON, LA 70433 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 10.85% |
| ROGERS BENEFIT GROUP INC | 3300 W ESPLANADE AVE #205 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 4.68% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3900 N CAUSEWAY BLVD STE 1042 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 4.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC LA | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.82% |
| GILSBAR GROUP BENEFITS LLC Filed as: GILSBAR GROUP BENEFITS | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE | $916 | $0 | $916 | 14.99% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 141 | $2.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 352 | $159K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 352 | $159K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 235 | $72K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 235 | $66K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 141 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.