| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC Filed as: EUSTIS BENEFITS, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $68K | — | $68K | 6.04% |
| EUSTIS BENEFITS LLC Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | GUARDIAN | $6K | $2K | $8K | 8.30% |
| LIONEL A. SMITH C/O NEW YORK LIFE3 | 639 LOYOLA STREET NEW ORLEANS, LA 70113 | MADISON NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| EDGARDO SUSSMAN SR3 Filed as: EDGARDO SUSSMANN SR | 201 ST CHARLES AVENUE SUITE 114-226 NEW ORLEANS, LA 70170 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| JOHN BARRY WILLIAMS3 | 6215 HIGHWAY 278 NW #240 COVINGTON, GA 30014 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $832 | $832 | 1.50% |
| ROBERT AGNELLY | 107 SMART PLACE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.51% |
| EUSTIS BENEFITS LLC Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| THE PRODUCERS GROUP, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.04% |
| LIONEL A. SMITH C/O NEW YORK LIFE3 | 639 LOYOLA STREET NEW ORLEANS, LA 70113 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.00% |
| EDGARDO SUSSMAN SR3 | 201 ST CHARLES AVENUE SUITE 114-226 NEW ORLEANS, LA 70170 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $521 | $521 | 3.00% |
| JOHN BARRY WILLIAMS3 | 6215 HIGHWAY 278 NW #240 COVINGTON, GA 30014 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $260 | $260 | 1.50% |
| ROBERT AGNELLY | 107 SMART PLACE SLIDELL, LA 70458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $532 | — | $532 | 12.01% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 149 | $1.1M |
| Dental | GUARDIAN | 177 | $95K |
| Vision | GUARDIAN | 177 | $95K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $53K |
| Long-term disability(3 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY | 310 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 149 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $53K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.