| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1050 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | $27K | $4K | $31K | 5.66% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 1050 METAIRIE, LA 70002 | HUMANA HEALTH PLAN OF TEXAS, | $5K | $985 | $6K | 5.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 2375 E CAMELBACK RD. #250 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.00% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MKTG COMPAN-AXA | 5525 REITZ AVE. BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 7.46% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.97% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $849 | — | $849 | 10.00% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, INC | 944 SENA DRIVE METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MIKE LEVY & ASSOCIATES3 | 2450 SEVERN AVENUE SUITE 206 METAIRIE, LA 70001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $378 | — | $378 | 5.00% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC | 114 | $649K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 192 | $69K |
| Vision | STANDARD INSURANCE COMPANY | 104 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 49 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 28 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.