| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | $93K | $47K | $140K | 4.74% |
| BILLY MARTIN3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 11.57% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SER | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 14.00% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | KANAWHA INSURANCE COMPANY | $3K | $342 | $3K | 8.16% |
| CHRISTOPHER J CRAMER3 | 1940 FOUNTAIN VIEW DRIVE PMB 113 HOUSTON, TX 77057 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| PAMELA T ARMSTRONG3 | 113 ANTIETAM DRIVE BOSSIER CITY, LA 71112 | KANAWHA INSURANCE COMPANY | $171 | — | $171 | 0.43% |
| BENEFIT CONSULTING SERVICES LLC3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 15.64% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 298 | $3.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 404 | $164K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 298 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 539 | $189K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 70 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 539 | $189K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 539 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.