| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL INSURANCE PLANNING SERVICES3 Filed as: TOTAL INSURANCE PLANNING SERV, INC | PO BOX 2387 MANDEVILLE, LA 704702387 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $21K | $14K | $35K | 4.53% |
| H M BENEFITS LLC3 | 935 GRAVIER ST. STE 1640 NEW ORLEANS, LA 70470 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $6K | — | $6K | 0.84% |
| TOTAL INSURANCE PLANNING SERVICES3 Filed as: TOTAL INSURANCE PLANNING SER., INC | PO BOX 2387 MANDEVILLE, LA 70470 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.17% |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1649 NEW ORLEANS, LA 70112 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.18% |
| TOTAL INSURANCE PLANNING SERVICES3 Filed as: TOTAL INSURANCE PLANNING SER, INC | PO BOX 2387 MANDEVILLE, LA 704702387 | METROPOLITAN LIFE INSURANCE COMPANY | $745 | — | $745 | — |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1640 NEW ORLEANS, LA 70112 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | — | $214 | — |
| GEORGE ROSENBOHM3 | PO BOX 2387 MANDEVILLE, LA 70470 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | — |
| TOTAL INSURANCE PLANNING SERVICES3 Filed as: TOTAL INSURANCE PLANNING SER, INC | PO BOX 2387 MANDEVILLE, LA 70470 | METROPOLITAN LIFE INSURANCE COMPANY | $883 | — | $883 | — |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1640 NEW ORLEANS, LA 70112 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | — | $256 | — |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 152 | $770K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 152 | $770K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.