| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY SUITE 1050 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | $21K | $1K | $22K | 5.34% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY SUITE 1050 METAIRIE, LA 70002 | HUMANA | $3K | $1K | $5K | 13.36% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1050 METAIRIE, LA 70002 | HUMANA HEALTH PLAN OF TEXAS | $2K | $106 | $2K | 5.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 2375 E CAMELBACK RD #250 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 16.87% |
| SOUTHERN NATL MKTG COMPANY3 | 5525 REITZ AVE. BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 7.87% |
| USI INSURANCE SERVICES LLC3 | 3550 N CAUSEWAY BLVD METAIRIE, LA 70002 | THE STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE STANDARD INSURANCE COMPANY | — | $103 | $103 | 1.05% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS | 944 SENA DRIVE METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INS CO. | $966 | — | $966 | 14.99% |
| MIKE LEVY & ASSOCIATES3 Filed as: MIKE LEVY AND ASSOCIATES | 2450 SEVERN AVENUE SUITE 206 METAIRIE, LA 70001 | RELIANCE STANDARD LIFE INS CO. | $322 | — | $322 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD METAIRIE, LA 70002 | THE STANDARD INSURANCE COMPANY | $531 | — | $531 | 10.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE STANDARD INSURANCE COMPANY | — | $25 | $25 | 0.47% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | 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 | 72 | $449K |
| Dental | HUMANA | 85 | $35K |
| Vision | THE STANDARD INSURANCE COMPANY | 68 | $5K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 117 | $15K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 21 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INS CO. | 7 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.