| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 3.26% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.80% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 3300 WEST ESPLANADE AVENUE SOUTH SUITE 205 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.83% |
| BENPRO, LLC3 | 68270 TAULLA DRIVE COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.10% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 227 | $947K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 227 | $947K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
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.