| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1301 W CAUSEWAY MANDEVILLE, LA 70471 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $66K | — | $66K | 27.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 418 E TYLER AVE, STE B HARLINGEN, TX 78550 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $25K | 10.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF LOUISIANA EIN 23-7384555 CLAIMS PROCESSING | Claims processing Service code 12 | P O BOX 98029 BATON ROUGE, LA 70898 | $57K |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $239K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $238K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 196 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.