| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $46K | — | $46K | 3.00% |
| EUSTIS BENEFITS LLC Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD. SUITE 200 METAIRIE, LA 70005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.52% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 11.03% |
| LIONEL SMITH3 | 639 LOYOLA STREET C/O NEW YORK LIFE NEW ORLEANS, LA 70013 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.04% |
| EDGARDO SUSSMAN SR3 Filed as: EDGARDO SUSSMANN | 201 ST. CHARLES AVENUE SUITE 114-226 NEW ORLEANS, LA 70170 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| JOHN BARRY WILLIAMS3 | 6215 HIGHWAY 278 NW#240 COVINGTON, GA 30014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $967 | $967 | 1.50% |
| ROBERT AGNELLY3 | 107 SMART PLACE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.21% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 221 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $121K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 221 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.