| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR GROUP BENEFITS LLC Filed as: GILSBAR GROUP BENEFITS | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $72K | $37K | $109K | 5.28% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CTR STE A COVINGTON, LA 70433 | UNITED HEALTH CARE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC LA | 3800 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITED HEALTH CARE INSURANCE COMPANY | $8K | $4K | $12K | 7.34% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 Filed as: PERSONIFY HEALTH SOLUTIONS LLC | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 Filed as: PERSONIFY HEALTH SOLUTIONS | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | P.O. BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE | $694 | $0 | $694 | 15.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 131 | $2.1M |
| Dental | UNITED HEALTH CARE INSURANCE COMPANY | 396 | $157K |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 396 | $157K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $42K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 131 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.