| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 235 HIGHLANDIA DRIVE SUITE 100 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.82% |
| AMERICAN UNITED LIFE3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $98 | $98 | 0.18% |
| 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 | 6.57% |
| 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 | $2K | — | $2K | 4.06% |
| 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 | $2K | — | $2K | 3.86% |
| 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 | $1K | — | $1K | 2.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BOULEVARD SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFFIT SERVICES, INC | 2345 GRAND BOULEVARD SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BOULEVARD SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $972 | — | $972 | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BOULEVARD SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $830 | — | $830 | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-BATON RO | 235 HIGHLANDIA DRIVE SUITE 200 BATON ROUGE, LA 70810 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $4K | $136 | $4K | 10.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $425 | $263 | $688 | 14.83% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $697K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 57 | $36K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 57 | $36K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 189 | $107K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 30 | $54K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 30 | $54K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 39 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.