| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE SUITE 200 BATON ROUGE, LA 70810 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| UMR, INC.3 Filed as: UMR | 600 COLONIAL CENTER PARKWAY 2ND FLOOR LAKE MARY, FL 32746 | HCC LIFE INSURANCE COMPANY | — | $224 | $224 | 0.48% |
| PEARSON PAULE3 | 235 HIGHLANDIA SUITE 2 BATON ROUGE, LA 70810 | KANSAS CITY LIFE INSURANCE COMPANY | $151 | — | $151 | 10.28% |
| DWIGHT L PIERCE3 Filed as: DWIGHT W. ANDRUS INSSURANCE INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | — | $8K | $8K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BATON RO | — | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | $4K | — | $4K | — |
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 | 283 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | 0 | $0 |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 287 | $1K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | 0 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 265 | $47K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 287 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.