| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAWLS INSURANCE GROUP LLC3 Filed as: RAWLS INSURANCE SERVICES | 1292 PRINCE CT HEATHROW, FL 32746 | DELTA DENTAL INSURANCE COMPANY | $119K | — | $119K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR SUITE 200 BATON ROUGE, LA 70810 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $160K | $54K | $214K | 20.18% |
| RAWLS INSURANCE GROUP LLC3 Filed as: RAWLS INSURANCE SERVICES INC. | 1292 PRINCE CT HEATHROW, FL 32746 | MUTUAL OF OMAHA | $32K | — | $32K | 17.00% |
| PREFERRED BENEFIT ADMINISTRATORS5 | 155 SABAL PALM DRIVE LONGWOOD, FL 32779 | MUTUAL OF OMAHA | $6K | — | $6K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 235 HIGHLAND DR STE 200 BATON ROUGE, LA 708106056 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 9.91% |
| RAWLS INSURANCE GROUP LLC3 Filed as: RAWLS INSURANCE SERVICES | 1292 PRINCE COURT HEATHROW, FL 32746 | MUTUAL OF OMAHA | $11K | — | $11K | 17.00% |
| PREFERRED BENEFIT ADMINISTRATORS5 | 155 SABAL PALM DRIVE LONGWOOD, FL 32779 | MUTUAL OF OMAHA | $2K | — | $2K | 3.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 2483 TOWER DR UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.16% |
| SHEMWELL DAVID CLAYTON3 | 2483 TOWER DR UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA EIN 23-7384555 ASO | Claims processing; Contract Administrator Service code 12 | PO BOX 98024 BATON ROUGE, LA 70898 | $983K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 0 | $1.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 0 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $179K |
| Life insurance(3 contracts, 2 carriers) | MUTUAL OF OMAHA | 0 | $270K |
| Long-term disability | MUTUAL OF OMAHA | 0 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 0 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 0 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.