| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BAT | GALLAGHER BENEFIT SERVICES INC MOUNT LAUREL, NJ 08054 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.00% |
| SOUTHERN NATL MKTG COMPANY3 | SOUTHERN NATL MAKTG COMPANY BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 7.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ CHARLOTTE | 718 DUNBAR AVE APT 3A BAY ST. LOUIS, MS 395202906 | AMERITAS LIFE INSURANCE CORP. | $5K | $599 | $6K | 8.23% |
| PRICE LEBLANC AGENCY, L.C.3 | 14295 AIRLINE HWY. GONZALES, LA 707376612 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.92% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.45% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATL | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.82% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.23% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATL | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $978 | $978 | 3.99% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $788 | — | $788 | 3.71% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATL | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $717 | $717 | 4.04% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $519 | — | $519 | 3.70% |
| PRICE LEBLANC AGENCY, L.C.3 | P. O. BOX 86330 BATON ROUGE, LA 70879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $287 | — | $287 | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATL | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $126 | $126 | 4.15% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 152 | $71K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 152 | $71K |
| Life insurance(7 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 293 | $299K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 262 | $182K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $195K |
| Other(7 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 293 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.