| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE CO | $34K | $3K | $37K | 4.30% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITED HEALTHCARE | $4K | — | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK ROAD SUITE 740 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INS CO OF AMERICA | $4K | — | $4K | 15.13% |
| SOUTHERN NATIONAL MKTG COMPANY3 Filed as: SOUTHERN NATIONAL MKTG COMP | PO BOX 98044 BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INS CO OF AMERICA | — | $1K | $1K | 5.04% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1050 METAIRIE, LA 70002 | THE STANDARD INSURANCE COMPANY | $2K | $195 | $2K | 16.35% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 1200 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE CO | $551 | — | $551 | 9.99% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS | 944 SENA DRIVE METAIRIE, LA 70005 | RELIANCE STANDARD | $800 | — | $800 | 14.99% |
| MIKE LEVY & ASSOCIATES3 Filed as: MIKE LEVY AND ASSOCIATES | 2450 SEVERN AVENUE SUITE 206 METAIRIE, LA 70001 | RELIANCE STANDARD | $267 | — | $267 | 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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 120 | $860K |
| Dental | UNITED HEALTHCARE | 121 | $42K |
| Vision | UNITED HEALTHCARE INSURANCE CO | 96 | $6K |
| Life insurance | EQUITABLE FINANCIAL LIFE INS CO OF AMERICA | 172 | $23K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 31 | $14K |
| Long-term disability | RELIANCE STANDARD | 6 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.