| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHERN BENEFIT SERVICES3 | 2400 VETERANS BLVD KENNER, LA 70062 | LLOYDS OF LONDON | $8K | $39K | $47K | 28.29% |
| LANDRY, HARRIS AND CO., INC.3 Filed as: LANDRY HARRIS AND CO INC | P.O. BOX 2456 LAFAYETTE, LA 70502 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LANDRY, HARRIS AND CO., INC.3 Filed as: LANDRY HARRIS AND CO INC | P.O. BOX 2456 LAFAYETTE, LA 70502 | PRINCIPAL LIFE INSURANCE COMPANY | — | $231 | $231 | 1.08% |
| AMWINS3 Filed as: AMWINS STOP LOSS INSURANCE SERVICES | 6575 W. LOOP SOUTH STE 230 BELLAIRE, TX 774013509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA / AIG | $370 | — | $370 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LANDRY HARRIS AND CO INC EIN 20-2075174 INSURANCE AGENT | Insurance agents and brokers; Trustee (directed) Service code 22 | — | $40K |
| PPO PLUS EIN 72-1489154 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
| AHDI EIN 35-2048379 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $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 | 162 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LLOYDS OF LONDON | 162 | $167K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $21K |
| Stop-loss / reinsurancereinsurance | LLOYDS OF LONDON | 162 | $167K |
| Other | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA / AIG | 162 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.