| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COST AGENCY L | PO BOX 2456 LAFAYETTE, LA 70502 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 2.60% |
| DELCO INSURANCE GROUP LLC3 | 145 ROBERT E LEE SUITE 200 NEW ORLEANS, LA 70124 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.38% |
| DELCO INSURANCE GROUP LLC3 | 233 HESPER AVE. METAIRIE, LA 70005 | UNITED OF OMAHA LIFE INSURANCE COMAPANY | $6K | $2K | $8K | 26.23% |
| DELCO INSURANCE GROUP LLC3 | 233 HESPER AVE. METAIRIE, LA 70005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $923 | $282 | $1K | 26.10% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 104 | $621K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMAPANY | 173 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.