| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $548 | — | $548 | 0.40% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | UNITED HEALTHCARE INSURANCE COMPANY | $341 | — | $341 | 6.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W. WAUSAU AVE WAUSAU, WI 54401 | $29K |
| ASSURED PARTNERS GULF COAST INS AGY EIN 46-4936799 BROKER | Other commissions Service code 55 | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | $6K |
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 | 46 | 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) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH NORTH AMERICAN INSURANCE COMPANY | 49 | $136K |
| Prescription drug | ZURICH NORTH AMERICAN INSURANCE COMPANY | 49 | $136K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 49 | $136K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 49 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.