| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.00% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING COMPANY | UNKNOWN BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18153 PETROLEUM DRIVE BATON ROUGE, LA 70809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $620 | $6K | 9.08% |
| REID RICHARD SUTTON3 | 8014 ROD LAVER AVENUE BATON ROUGE, LA 70810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $595 | $4K | 6.53% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $592 | $2K | 3.60% |
| MJ INSURANCE3 Filed as: CHELSI L. JETT AND VARIOUS AGENTS | 504 WYNNWOOD DRIVE BRANDON, FL 33511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $647 | $0 | $647 | 1.05% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $266 | $493 | 0.80% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $144 | $409 | 0.66% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $0 | $307 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | TOKIO MARINE | $1K | $0 | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $928 | $30 | $958 | 10.31% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $71K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 84 | $9K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $138K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $76K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $76K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.