| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTIBEN LLC3 | 377 HIGHWAY 21 STE 100 MADISONVILLE, LA 70447 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3900 N CAUSEWAY BLVD STE 1042 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.03% |
| BENPRO, LLC3 Filed as: BENPRO, LLC. | 2001 LAKESHORE DR MANDEVILLE, LA 70448 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.80% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HIGHWAY 21 STE 100 MADISONVILLE, LA 70447 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 11.15% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J MINEO INSURANCE LLC | 7322 DONALDSON DR GONZALES, LA 70737 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.08% |
| BENPRO, LLC3 | 68270 TAULLA DR COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.85% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $655K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $655K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $655K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 146 | $40K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 146 | $40K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 146 | $40K |
| Other | COMPANION LIFE INSURANCE COMPANY | 146 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.