| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARIS INSURANCE AGENCY LLC3 Filed as: LARIS INSURANCE AGENCY, LLC | 810 CRESCENT AVENUE PO DRAWER 128 LOCKPORT, LA 70374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $141K | $15K | $156K | 13.70% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2K | $433 | -$2K | -0.13% |
| LARIS INSURANCE AGENCY LLC3 Filed as: LARIS INSURANCE AGENCY, LLC | P.O. BOX 559 LOCKPORT, LA 703740559 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 7.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE AGENCY, LLC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $271K |
| LARIS INSURANCE AGENCY, LLC EIN 26-2936550 BROKER | Other commissions Service code 55 | PO BOX 569 LOCKPORT, LA 703740559 | $0 |
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 | 498 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,244 | $686K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.