| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE ASSOCIATES3 Filed as: GROUP INSURANCE ASSOCIATES, INC. | 5021 FAIRFIELD STREET SUITE A METAIRIE, LA 70006 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $46K | $29K | $75K | 4.86% |
| GROUP INSURANCE ASSOCIATES3 Filed as: GROUP INSURANCE ASSOCIATES, INC. | 3421 N. CAUSEWAY BLVD., STE 304 METAIRIE, LA 700023720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.06% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 39.27% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 23.29% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 38.64% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.05% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 79.91% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 47.05% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 42.59% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 25.75% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 450 | $1.6M |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 450 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
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.