| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHERN BENEFIT SERVICES5 Filed as: SOUTHERN BENEFIT SERVICES, LLC | 2400 VETERANS BLVD SUITE 140 KENNER, LA 70582 | LLOYD'S OF LONDON (GROSVENOR) | — | $36K | $36K | 15.55% |
| LANDRY, HARRIS AND CO., INC.3 Filed as: LANDRY HARRIS AND COMPANY | P. O. BOX 2458 LAFAYETTE, LA 70502 | LLOYD'S OF LONDON (GROSVENOR) | $25K | — | $25K | 10.71% |
| PPO PLUS3 | 400 POYDRAS STREET SUITE 2014 NEW ORLEANS, LA 70130 | LLOYD'S OF LONDON (GROSVENOR) | — | $6K | $6K | 2.77% |
| HINES & ASSOCIATES3 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | LLOYD'S OF LONDON (GROSVENOR) | — | $2K | $2K | 1.08% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFITS ADMINISTRATORS | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LLOYD'S OF LONDON (GROSVENOR) | — | $266 | $266 | 0.12% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LLOYD'S OF LONDON (GROSVENOR) | 90 | $230K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $8K |
| Prescription drug | LLOYD'S OF LONDON (GROSVENOR) | 90 | $230K |
| Stop-loss / reinsurancereinsurance | LLOYD'S OF LONDON (GROSVENOR) | 90 | $230K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.