| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $22K | — | $22K | 3.35% |
| 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 | $7K | — | $7K | 11.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFFIT SERVICES, INC | 2345 GRAND BOULEVARD SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| BYRON C LEDET3 | 2000 AUDUBON AVENUE SUITE E THIBODAUX, LA 70301 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | — | $7K | 13.89% |
| 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 | $3K | $7K | 16.25% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 62 | $665K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 62 | $42K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 62 | $42K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 107 | $113K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 107 | $53K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 107 | $53K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 62 | $665K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 107 | $113K |
| 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."
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.