| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEST GROUP, INC.3 | P.O. BOX 113295 METAIRIE, LA 70011 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $90K | $46K | $136K | 5.28% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SVCS LLC | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SVCS LLC | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 10.07% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SVCS LLC | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | CRESCENT DENTAL | $14K | — | $14K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST. LOUIS, MO 63141 | CRESCENT DENTAL | — | $10K | $10K | 7.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | CRESCENT DENTAL | — | $7K | $7K | 5.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SVCS LLC | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SVCS LLC | 1356 WEST TUNNEL BLVD HOUMA, LA 70360 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 521 | $2.6M |
| Dental | CRESCENT DENTAL | 154 | $137K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 116 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $139K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $191K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 521 | $2.6M |
| Other | BLUE CROSS BLUE SHIELD OF LOUISIANA | 521 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.