| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $6K | $6K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | GUARDIAN | $11K | — | $11K | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | GUARDIAN | — | $7K | $7K | 11.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY EIN 13-5123390 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 110 VETERANS BLVD SUITE 200 METAIRIE, LA 70005 | $41K |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 231 | $134K |
| Vision | GUARDIAN | 231 | $134K |
| Life insurance | GUARDIAN | 231 | $134K |
| Long-term disability | GUARDIAN | 269 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.