| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 235 HIGHLANDIA DR., STE 100 BATON ROUGE, LA 708106056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | $8K | $61K | 17.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 235 HIGHLANDIA DR., STE 100 ATTN AMIE BESSELMAN BATON ROUGE, LA 708106056 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $41 | $23K | 9.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PL., FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| TOM BESSELMAN3 | THE BESSELMAN AGENCY 6421 PERKINS ROAD BATON ROUGE, LA 70808 | COMPANION LIFE INSURANCE COMPANY | $22K | — | $22K | 9.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD, SUITE 200 ST. LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $17K | $17K | 7.00% |
| CRESCENT DENTAL PLAN3 | P.O. BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | — | $11K | $11K | 4.50% |
| HOLLIS COMPANIES LLC3 | 2800 VETERANS BLVD., SUITE 365 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DR., STE 100 BATON ROUGE, LA 708106056 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.81% |
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 | 795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 301 | $240K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $246K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 974 | $353K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,007 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,007 | — |
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.