| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $25K | $30K | $55K | 2.52% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, INC. | 2200 TOWER DRIVE MONROE, LA 71201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, INC. | 2200 TOWER DRIVE MONROE, LA 712015753 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| KEVIN JAY THOMPSON3 | 205 PINECREST DR. COVINGTON, LA 704334549 | AMERITAS LIFE INSURANCE CORP. | $681 | — | $681 | 1.45% |
| HOWARD ELEE TRICHEL3 | P.O. BOX 2447 MONROE, LA 712072447 | AMERITAS LIFE INSURANCE CORP. | $681 | — | $681 | 1.45% |
| ANN LAURA TRICHEL3 | 223 CREEKSTONE DRIVE WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 9.35% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, INC. | 2200 TOWER DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | $3 | $507 | 3.32% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE ROAD PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $31 | $65 | 0.43% |
| TODD TRICHEL3 | 223 CREEKSTONE WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.23% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY, INC. | 242 GULFWAY HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.23% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.20% |
| MEGAN ELIZABETH TILL3 | 141 DESIARD STREET MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| PROFESSIONAL BENEFITS CONSULTANTS3 | P.O. BOX 12612 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| CHARLINE PARKER3 Filed as: CHARLINE T. PARKER | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| RICHARD RUSSELL HOGAN3 Filed as: RICHARD HOGAN | 406 TREMONT DRIVE RUSTON, LA 71270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| BRANDI L JAGER3 Filed as: BRANDI L. JAGER | 1607 WESTWARD DRIVE GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $111K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $111K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $15K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 171 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.