| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 4.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 2.67% |
| NICOLE B PEARCE3 Filed as: NICOLE B. PEARCE AND OTHER AGENTS | 36475 RUE LA MONTE COURT PRAIRIEVILLE, LA 70769 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.07% |
| EMERSON STAFFORD3 | 2710 FAIRWAY DRIVE BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.97% |
| MICHELLE D VEAL3 Filed as: MICHELLE D. VEAL | 7284 EFFIE DRIVE DENHAM SPRINGS, LA 70706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.82% |
| SHAWN M CASTLEMAN3 Filed as: SHAWN M. CASTLEMAN | 10335 CYPRUS CEDAR STREET BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $10K | $16K | 8.63% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 15.40% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 10.02% |
| NICOLE B PEARCE3 Filed as: NICOLE B. PEARCE AND OTHER AGENTS | 36475 RUE LA MONTE COURT PRAIRIEVILLE, LA 70769 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.01% |
| EMERSON STAFFORD3 | 2710 FAIRWAY DRIVE BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.62% |
| MICHELLE D VEAL3 Filed as: MICHELLE D. VEAL | 7284 EFFIE DRIVE DENHAM SPRINGS, LA 70706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.07% |
| SHAWN M CASTLEMAN3 Filed as: SHAWN M. CASTLEMAN | 10335 CYPRUS CEDAR STREET BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $456K |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $456K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $306K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $185K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.