| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $43K | $23K | $67K | 5.38% |
| LABI SERVICE CORPORATION3 | 500 MAIN STREET BATON ROUGE, LA 70801 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | — | $15K | $15K | 1.17% |
| JOSEPH DARRELL GREEN3 | 2008 S COLLEGE RD LAFAYETTE, LA 70508 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 11.35% |
| AVRIL HABETZ ENT LLC3 | 111 VETERANS MEM BLVD, STE 940 METAIRIE, LA 70560 | NORTHWESTERN MUTUAL | $1K | $252 | $1K | 2.25% |
| JOSEPH DARRELL GREEN3 | 2008 S COLLEGE RD LAFAYETTE, LA 70508 | NORTHWESTERN MUTUAL | $4K | $906 | $5K | 7.90% |
| AVRIL HABETZ ENT LLC3 | 111 VETERANS MEM BLVD, STE 940 METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $719 | $172 | $891 | 1.56% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $5K | $546 | $6K | 11.07% |
| LABI SERVICE CORPORATION3 | 500 MAIN STREET BATON ROUGE, LA 70801 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | — | $2K | $2K | 4.30% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD | $1K | — | $1K | 7.12% |
| USI INSURANCE SERVICES LLC | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $1K | $142 | $1K | 11.25% |
| LABI SERVICE CORPORATION3 | 500 MAIN STREET BATON ROUGE, LA 70801 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | — | $113 | $113 | 0.99% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD | $1K | — | $1K | 10.00% |
| AVRIL HABETZ ENT LLC3 | 111 VETERANS MEM BLVD, STE 940 METAIRIE, LA 70005 | RELIANCE STANDARD | — | — | $0 | 0.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 113 | $1.2M |
| Dental | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 112 | $51K |
| Vision | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 113 | $11K |
| Life insurance | RELIANCE STANDARD | 23 | $11K |
| Short-term disability | NORTHWESTERN MUTUAL | 120 | $57K |
| Long-term disability | NORTHWESTERN MUTUAL | 120 | $58K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 113 | $1.2M |
| Other(2 contracts) | RELIANCE STANDARD | 115 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.