| 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 | $84K | $48K | $133K | 4.99% |
| DDIC BROKER- BENEFIT CONSULTING SER3 | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | DELTA DENTAL INSURANCE COMPANY | $22K | — | $22K | 13.14% |
| BILLY MARTIN3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 13.38% |
| CHRISTOPHER J CRAMER3 | 1940 FOUNTAIN VIEW DRIVE PMB 113 HOUSTON, TX 77057 | KANAWHA INSURANCE COMPANY | $13K | — | $13K | 34.59% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | KANAWHA INSURANCE COMPANY | $12K | $263 | $13K | 34.17% |
| PAMELA T ARMSTRONG3 | 113 ANTIETAM DRIVE BOSSIER CITY, LA 71112 | KANAWHA INSURANCE COMPANY | $8K | — | $8K | 22.35% |
| SCOTT H ALEXANDER3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 6.06% |
| BILLY S. MARTIN3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 23.20% |
| CHRISTOPHER J CRAMER3 Filed as: CHRISTOPHER CRAMER | 2822 MCCULLOCH CIRCLE HOUSTON, TX 77056 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 21.36% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | P.O. BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.74% |
| PAMELA T ARMSTRONG3 Filed as: PAMELA ARMSTRONG | 113 ANTIETAM DRIVE BOSSIER CITY, LA 71112 | HUMANA INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| BENEFIT CONSULTING SERVICES LLC3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 16.50% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 296 | $2.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 256 | $167K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 296 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $160K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 69 | $28K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $160K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.