| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 5.61% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3900 N CAUSEWAY BLVD STE 1042 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC LA | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.96% |
| STEVEN MULLEN3 Filed as: STEVEN MULLUN | 12133 PARTRIDGEWOOD DR BAKER, LA 70714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICIES LA INC | 9026 JEFFERSON HWY BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.66% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.52% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.31% |
| ELYSIAN INSURANCE AGENCY3 | 4736 W NAPOLEON AVE STE 300 METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $19K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.