| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 2868 HOUMA, LA 70361 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 1.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 POYDRAS ST, STE 4125 NEW ORLEANS, LA 70139 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 1.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 201 ALHAMBRA CR, SUITE 1000 CORAL GABLES, FL 33134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $10K | 7.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $330 | $7K | 5.21% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $133K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $133K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.