| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SERVICES LLC | 201 ST CHARLES AVENUE STE 114-369 NEW ORLEANS, LA 70170 | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 1.39% |
| DISABILITY INSURANCE SERV Filed as: DISABILITY INSURANCE SERVICE | 201 ST CHARLES AVENUE STE 114-369 NEW ORLEANS, LA 70170 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 1.26% |
| FRANK FRIEDLER | 509 OCTAVIA ST NEW ORLEANS, LA 70115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 3.57% |
| W S GRIFFTH & CO INC | C/O LPL INSURANCE DEPT 92 PO BOX 502030 SAN DIEGO, CA 92150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 1.89% |
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. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $5.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 372 | $1.0M |
| Vision | VISION SERVICE PLAN | 358 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 633 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 633 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 633 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $5.5M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 659 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.