| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H M BENEFITS LLC3 | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $31K | $18K | $48K | 5.53% |
| HM BENEFITS LLC3 | HM BENEFITS LLC NEW ORLEANS, LA 70112 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $13K | 16.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | GIS BENEFITS INC. MORRIS, IL 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.34% |
| SOUTHERN NATI MARKETING CO3 | SOUTHERN NATI MARKETING CO BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.00% |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1649 NEW ORLEANS, LA 70112 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 14.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $32K | $0 | $32K | 70.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC, DBA EASECENTRAL | — | RELAINCESTANDARD LIFE INSURANCE COMPANY | $0 | $256 | $256 | 0.56% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 129 | $873K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 139 | $80K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 139 | $80K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 182 | $74K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 182 | $74K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 182 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 129 | $873K |
| Other | RELAINCESTANDARD LIFE INSURANCE COMPANY | 49 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.