| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $19K | $16K | $35K | 4.04% |
| LABI SERVICE CORPORATION3 | 500 MAIN STREET BATON ROUGE, LA 70801 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $14K | — | $14K | 1.69% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $12K | — | $12K | 1.46% |
| JOSEPH DARRELL GREEN | 2008 S COLLEGE RD LAFAYETTE, LA 70508 | NORTHWESTERN MUTUAL | $3K | $779 | $4K | 7.09% |
| AVRIL HABETZ ENT LLC | 111 VETERANS MEM BLVD, STE 940 METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $618 | $148 | $766 | 1.40% |
| JOSEPH DARRELL GREEN3 | 2008 S COLLEGE RD LAFAYETTE, LA 70508 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 11.50% |
| AVRIL HABETZ ENT LLC3 | 111 VETERANS MEM BLVD, STE 940 METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $878 | $210 | $1K | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $2K | — | $2K | 4.30% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $898 | — | $898 | 2.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 405 E ST PETER STREET NEW IBERIA, LA 70560 | RELIANCE STANDARD | $1K | — | $1K | 6.34% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD | $285 | — | $285 | 1.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 405 E ST PETER STREET NEW IBERIA, LA 70560 | RELIANCE STANDARD | $602 | — | $602 | 8.95% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD | $407 | — | $407 | 6.05% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 105 | $856K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 103 | $43K |
| Vision | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 102 | $11K |
| Life insurance | RELIANCE STANDARD | 121 | $17K |
| Short-term disability | NORTHWESTERN MUTUAL | 109 | $55K |
| Long-term disability | NORTHWESTERN MUTUAL | 109 | $48K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 105 | $856K |
| Other | RELIANCE STANDARD | 180 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.