| 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. | $89K | $35K | $124K | 4.15% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SER | 550 BOARDWALK BOULEVARD BOSSIER CITY, LA 71111 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 14.00% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATL MARKETING CO. - AXA | 5525 REITZ AVE BATON ROUGE, LA 70809 | MONY LIFE INSURANCE COMPANY OF AMERICA | $27K | $13K | $40K | 25.87% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $7K | $517 | $7K | 21.51% |
| BENEFIT CONSULTING SERVICES LLC3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 21.43% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 305 | $3.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 260 | $164K |
| Vision(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 305 | $3.0M |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 382 | $155K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 89 | $32K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 382 | $155K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 382 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.