| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $11K | $17K | 8.00% |
| AMERICAN BNFT & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 21.71% |
| EMERSON STAFFORD3 | 2710 FAIRWAY DRIVE BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 0.42% |
| MICHELLE D VEAL3 Filed as: MICHELLE DEMETRIS VEAL | 7284 EFFIE DRIVE DENHAM SPRINGS, LA 70706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.19% |
| NICOLE BEAUCOUDRAY PEARCE & OTHERS3 | 36475 RUE LA MONTE COURT PRAIRIEVILLE, LA 70769 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.13% |
| JOHN R CAMBRE3 Filed as: JOHN REYNOLDS CAMBRE | 10093 ISLAND ROAD VENTRESS, LA 70783 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.09% |
| SHAWN MITCHELL CASTLEMAN3 | 10335 CYPRUS CEDAR AVENUE BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.08% |
| BARRY JOEL STEWART3 | 9507 HIGH POINT ROAD BATON ROUGE, LA 70810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.04% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 731 | $230K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 731 | $230K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $335K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $218K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $218K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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.