| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE F. SOLDEVILA3 Filed as: DALE SOLDECILA | 2121 N. CAUSEWAY BLVD. STE. 258 METAIRIE, LA 70001 | HUMANA | $35K | $0 | $35K | 5.46% |
| DOUG SOLDEVILA3 | 2932 JOHNSON STREET MATAINE, LA 70001 | GUARDIAN | $7K | $0 | $7K | 10.00% |
| EDWARD F. LANDRY3 Filed as: EDWARD LANDRY | 3445 N. CAUSEWAY BLVD. STE. 1000 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JOSEPH SCOTT CANTRELL3 | 3445 N. CAUSEWAY BLVD. STE. 1000 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE. 1950 ATLANTA, GA 30339 | UNUM | $1K | — | $1K | 12.00% |
| EDWARD F. LANDRY3 Filed as: EDWARD LANDRY | 3445 N. CAUSEWAY BLVD. STE. 1000 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 108 | $639K |
| Vision | GUARDIAN | 119 | $72K |
| Life insurance | UNUM | 137 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $8K |
| Other | UNUM | 137 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.