| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | DBA USI SOUTHWEST 3900 N CAUSEWAY BLVD SUITE 1300 METAIRIE, LA 70002 | COVENTRY HEALTH CARE OF LOUISIANA | $12K | — | $12K | 4.03% |
| USI INSURANCE SERVICES LLC | DBA USI SOUTHWEST 3900 N CAUSEWAY BLVD SUITE 1300 METAIRIE, LA 70002 | COVENTRY HEALTH AND LIFE | $8K | — | $8K | 4.06% |
| USI INSURANCE SERVICES LLC | 3900 N. CAUSEWAY BLVD SUITE 130 ONE LAKEWAY PLAZA METAIRIE, LA 70002 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| USI INSURANCE SERVICES LLC | DBA USI SOUTHWEST 3900 CAUSEWAY BLVD SUITE 1300 METAIRE, LA 70002 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 13.73% |
| USI INSURANCE SERVICES LLC | DBA USI SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE CO. | $294 | — | $294 | 1.24% |
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 | 224 | 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. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF LOUISIANA | 102 | $500K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 161 | $60K |
| Life insurance | AETNA LIFE INSURANCE CO. | 234 | $24K |
| Other | AETNA LIFE INSURANCE CO. | 234 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.