| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | $83K | $49K | $132K | 4.75% |
| BILLY MARTIN3 | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 11.56% |
| DDIC BROKER- BENEFIT CONSULTING SER3 | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 14.00% |
| STACY S RITCHIE3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $9K | $574 | $9K | 8.81% |
| KENNETH A WIMER3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $2K | $19 | $2K | 1.99% |
| APRIL D REMEDIES3 | 9339 LYTHAM DRIVE SHERVEPORT, LA 71129 | AFLAC | $2K | $352 | $2K | 1.77% |
| PAMELA S KELLER3 | PO BOX 283 WASKOM, TX 75692 | AFLAC | $2K | — | $2K | 1.74% |
| SKYE A VERGENAL3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $1K | $19 | $1K | 1.00% |
| BETTE ANN POWELL3 | 5002 DIXIE GARDEN DRIVE SHREVEPORT, LA 71105 | AFLAC | $1K | — | $1K | 0.97% |
| BAZE J FREMAN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $823 | $154 | $977 | 0.91% |
| GARLAND KYLE3 Filed as: GARLAND KLYE | 2121 FAIRFIELD AVENUE SUITE 160 SHREVEPORT, LA 71104 | AFLAC | $977 | — | $977 | 0.91% |
| JEFFERY TAL WEBB3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $755 | $135 | $890 | 0.83% |
| CHARLES LENFORD HERRON JR3 | 900 PIERREMONT ROAD SUITE 114 SHEVEPORT, LA 71106 | AFLAC | $531 | — | $531 | 0.49% |
| MICHAEL G KEMP3 | 820 JORDON STREET SUITE 580 SHREVEPORT, LA 71101 | AFLAC | $530 | — | $530 | 0.49% |
| SOMER YOUNG3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $361 | — | $361 | 0.34% |
| PAULA J KEMP3 | 820 JORDAN STREET SUITE 580 SHREVEPORT, LA 71101 | AFLAC | $282 | — | $282 | 0.26% |
| MARJORIE F EVANS3 | 12942 HIGHWAY 171 MANSFIELD, LA 71052 | AFLAC | $248 | — | $248 | 0.23% |
| DANIEL B ELLIS3 | 751 HEBRON PARKWAY SUITE 220 LEWISVILLE, TX 75057 | AFLAC | $213 | — | $213 | 0.20% |
| CHRISTINE BROUSSARD3 | 1010 WEST 10TH STREET DERIDDER, LA 70634 | AFLAC | $92 | — | $92 | 0.09% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD #116 BATON ROUGE, LA 70810 | AFLAC | $81 | — | $81 | 0.08% |
| JASON MARONEY3 | 315 ROCKRIDGE STREET KERRVILLE, TX 78028 | AFLAC | $63 | — | $63 | 0.06% |
| CHARLES D. BLOCK3 Filed as: CHARLES H WARREN | 239 WOODLAND TRAIL BELTON, TX 76513 | AFLAC | $52 | — | $52 | 0.05% |
| MELISSA STEWART3 Filed as: MELISSA VINCENT STEWART | 800 RYAN STREET SUITE 200 LAKE CHARLES, LA 70601 | AFLAC | $37 | — | $37 | 0.03% |
| LISA SARRADET NEWSOM3 | 104 ARAPAHOE DRIVE LAFAYETTE, LA 70503 | AFLAC | $33 | — | $33 | 0.03% |
| CYNTHIA H LUPO3 | 10611 CLEAR COVE LANE HOUSTON, TX 77041 | AFLAC | $30 | — | $30 | 0.03% |
| TINA JILES TRAYLOR3 | 3743 GREENWAY PLACE SHREVEPORT, LA 71105 | AFLAC | $29 | — | $29 | 0.03% |
| DEBORAH NEWSOM3 Filed as: DEBORAH P NEWSOM | 171 GRANBERRY ROAD DERIDDER, LA 70634 | AFLAC | $27 | — | $27 | 0.03% |
| DARON H PHILLIPS3 | 21811 DIMMETT WAY SPRING, TX 77388 | AFLAC | $22 | — | $22 | 0.02% |
| JOHN D BODKER3 | 11230 WEST AVE SUITE 3101 SAN ANTONIO, TX 78213 | AFLAC | $21 | — | $21 | 0.02% |
| CHERYL B FRAZIER3 | 630 HIGHWAY 84 WINNFIELD, LA 71483 | AFLAC | $20 | — | $20 | 0.02% |
| DAVID M COUGHLIN3 | 751 HEBRON PARKWAY SUITE 220 LEWISVILLE, TX 75057 | AFLAC | $17 | — | $17 | 0.02% |
| JAMES GREG HOGUE3 | PO BOX 2301 MONROE, LA 71267 | AFLAC | $17 | — | $17 | 0.02% |
| JANET G MARLER3 | PO BOX 53347 LAFAYETTE, LA 70505 | AFLAC | $13 | — | $13 | 0.01% |
| WILLIAM J WIGGINS3 | PO BOX 417 LONG BEACH, MS 39560 | AFLAC | $11 | — | $11 | 0.01% |
| AA GATES3 | 201 DOVERS DRIVE LAFAYETTE, LA 70503 | AFLAC | $10 | — | $10 | 0.01% |
| SANDRA MARTINA3 Filed as: SANDRA C MARTINA | 4134 FLORIDA AVENUE SUITE 100 KENNER, LA 70065 | AFLAC | $10 | — | $10 | 0.01% |
| ST THERESE MARKETING INC3 | 4134 FLORDIA AVENUE SUITE 100 KENNER, LA 70065 | AFLAC | $10 | — | $10 | 0.01% |
| MAURICO PLATT3 | 8180 SOUTH 700 EAST SUITE 120 SANDY, UT 84070 | AFLAC | $8 | — | $8 | 0.01% |
| DENISE M HOUSLEY3 | 2900 WEST LANSING STREET BROKEN ARROW, OK 74012 | AFLAC | $8 | — | $8 | 0.01% |
| EDWARD L MARTINA JR3 | 4134 FLORIDA AVENUE SUITE 100 KENNER, LA 70065 | AFLAC | $8 | — | $8 | 0.01% |
| JEFFERY L SOLINSKY3 | 427 NORTH PINE STREET SUITE B DERIDDER, LA 70634 | AFLAC | $8 | — | $8 | 0.01% |
| MAURICIO R PLATT3 Filed as: MAURICIO PLATT | 1475 EAST SANDPIPER WAY APARTMENT 352 SALT LAKE CITY, UT 84117 | AFLAC | $5 | — | $5 | 0.00% |
| DANNY HOUSLEY3 | 6202 S TRENTON COURT TULSA, OK 74136 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL SCOTT ENOS3 | PO BOX 82451 BATON ROUGE, LA 70884 | AFLAC | $3 | — | $3 | 0.00% |
| JULIAN W GOFF3 | 258 DUNLEITH DRIVE DESTREHAN, LA 70047 | AFLAC | $3 | — | $3 | 0.00% |
| KEITH W FLETCHER3 | 200 AUGUSTA CIRCLE BENTON, LA 71006 | AFLAC | $2 | — | $2 | 0.00% |
| RORY G CRUSER3 | 7516 BLUEBONNET BOULEVARD #116 BATON ROUGE, LA 70810 | AFLAC | $2 | — | $2 | 0.00% |
| FELICIA KATINA SMITH3 | 3119 WEST CAPERTON CIRCLE BENTON, LA 71006 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTING SERVICES LLC3 | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 10.96% |
| BENEFIT CONSULTING SERVICES LLC3 | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 14.41% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 317 | $2.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 263 | $162K |
| Vision | NATIONAL GUARDIAN LIFE | 221 | $30K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $284K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 230 | $135K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $176K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.