| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD, STE 200 METAIRIE, LA 70005 | BLUECROSS BLUESHIELD OF LOUISIANA HMO LOUISIANA SOUTHERN NATIONAL LIFE | $36K | $12K | $49K | 4.70% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | GUARDIAN | $10K | — | $10K | 7.99% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET STE 1300 WILMINGTON, DE 19801 | GUARDIAN | $80 | — | $80 | 0.06% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | GUARDIAN | $8K | — | $8K | 15.00% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP, INC. | 3939 N CAUSEWAY BLVD METAIRIE, LA 70002 | GUARDIAN | $19 | — | $19 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EUSTS BENEFITS LLC EIN 72-1297371 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Claims processing Service code 10 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | $36K |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA HMO LOUISIANA SOUTHERN NATIONAL LIFE | 136 | $1.0M |
| Dental | GUARDIAN | 223 | $127K |
| Vision | GUARDIAN | 223 | $127K |
| Life insurance | GUARDIAN | 223 | $127K |
| Short-term disability | GUARDIAN | 223 | $127K |
| Long-term disability | GUARDIAN | 241 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.