| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 11250 HERITAGE OAKS SHREVEPORT, LA 71106 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $39K | — | $39K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES BATON RO | 235 HIGHLAND DRIVE SUITE 100 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $21K | $21K | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 470 ASHLEY RIDGE BOULVARD SHREVEPORT, LA 71106 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.39% |
| BERNARD INSURANCE AGENCY LLC3 | 766 PROFESSIONAL DRIVE NORTH SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 147 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Life insurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 147 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $15K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 147 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 150 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.