| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 235 HIGHLANDIA DRIVE SUITE 100 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 4.38% |
| BROOKS JUCHA & ASSOCIATES3 Filed as: BROOKS ANDREW FORET | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 11.06% |
| AMERICAN UNITED LIFE3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $10 | $1K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $711 | $179 | $890 | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-BATON RO | 235 HIGHLANDIA DRIVE SUITE 100 BATON ROUGE, LA 70810 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $4K | $2K | $5K | 14.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $477 | — | $477 | 10.01% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 66.95% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $637K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 53 | $38K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 53 | $38K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 107 | $60K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 32 | $51K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 32 | $51K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 37 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.