| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL OF LA INC | 6425 YOUREE DRIVE STE 290 SHREVEPORT, LA 71105 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $19K | $532 | $20K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 | Plan Administrator; Contract Administrator Service code 13 | — | $59K |
| COBB ALLEN AND HALL OF LOUISIANA IN EIN 25-0687550 | Insurance agents and brokers Service code 22 | — | $19K |
| MEDICAL EXCESS EIN 25-0687550 | Insurance agents and brokers Service code 22 | — | $7K |
| VERITY EIN 45-0510678 | Insurance agents and brokers Service code 22 | — | $7K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 158 | $995K |
| Dental | BLUE CROSS BLUE SHIELD OF LOUISIANA | 158 | $995K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 158 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.