| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6421 PERKINS RD., BLDG. A, STE 2B BATON ROUGE, LA 70808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $2K | $53K | 15.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| TOM BESSELMAN3 | THE BESSELMAN AGENCY 6421 PERKINS ROAD BATON ROUGE, LA 70808 | COMPANION LIFE INSURANCE COMPANY | $24K | — | $24K | 9.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD, SUITE 200 ST. LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $19K | $19K | 7.00% |
| CRESCENT DENTAL PLAN3 | P.O. BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | — | $12K | $12K | 4.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 840 GESSNER RD, STE 600 THREE MEMORIAL CITY HOUSTON, TX 770244145 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $24 | $14K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6421 PERKINS RD., BLDG. A, STE 2B BATON ROUGE, LA 708086200 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $41 | $10K | 4.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL., FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.65% |
| HOLLIS COMPANIES LLC3 | 2800 VETERANS BLVD., SUITE 365 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 316 | $269K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,991 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,114 | $247K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,027 | $339K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,114 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,114 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.