| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISABILTY INSURANCE SERV3 Filed as: DISABILTY INSURANCE SVCS LLC | 201 ST CHARLES AVE STE 114-369 NEW ORLEANS, LA 70170 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | $0 | $103K | 2.00% |
| DISABILITY INSURANCE SERV | 201 ST CHARLES AVENUE STE 114-369 NEW ORLEANS, LA 70170 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 1.44% |
| CONSOLIDATED PROGRAM INS. SERVICES Filed as: CONSOLIDATED PROGRAMS INS. SERVICES | 77 MARK DRIVE, SUITE 26 SAN RAFAEL, CA 94903 | ZURICH AMERICA INSURANCE COMPANY | $5K | $0 | $5K | 90.00% |
| THE FRIEDLER GROUP, LLC Filed as: FRIEDLER, FRANK | 509 OCTAVIA ST NEW ORLEANS, LA 70115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 3.35% |
| W S GRIFFTH & CO INC | C/O LPL INSURANCE DEPT 92 - M KARIM PO BOX 502030 SAN DIEGO, CA 92150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $64 | $64 | 1.85% |
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 | 748 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 520 | $5.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 428 | $917K |
| Vision | VISION SERVICE PLAN | 406 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 520 | $5.8M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 748 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.