| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 SUMMIT LAKE DRIVE, ST. 400 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3850 N. CAUSEWAY BLVD., ST. 1050 LAKEWAY II METARIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.90% |
| ANN LAURA TRICHEL3 Filed as: ANN L. TRICHEL | 223 CREEKSTONE DRIVE WEST MONROE, LA 71291 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.00% |
| ANN LAURA TRICHEL3 | 223 CREEKSTONE DRIVE WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | — | $841 | 5.93% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, INC. | 2200 TOWER DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.71% |
| GCS COMPANIES OF MONROE LLC3 Filed as: GCS COMPANIES OF MONROE, LLC | 1014 EMERSON ST. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $35 | $55 | 0.39% |
| DANIEL GRIFFON3 | 2311 AMALIE DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $34 | $44 | 0.31% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE ST. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $7 | $24 | 0.17% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY, INC. | 242 GULFWAY DRIVE HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.17% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 585 BEAU CHENE DR. MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.16% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE ROAD PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| 3P BENEFIT SOLUTIONS, LLC3 | 403A TOWNE CENTER BLVD. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| PROFESSIONAL BENEFITS CONSULTANTS3 | P.O. BOX 12612 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| MARGARET PUTNAM JEPSON3 | 105 KENZIE DR. MADISON, MS 39110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.07% |
| JULIA B SMITH3 Filed as: JULIA B. SMITH | 3188 DOVER RD. BENTONIA, MS 39040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| ASHLEY S WALDRUP3 Filed as: ASHLEY S. WALDRUP | 295 POSEY LANE VAUGHAN, MS 39179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.05% |
| RICHARD RUSSELL HOGAN3 Filed as: RICHARD HOGAN | P.O. BOX 204 CHATHAM, LA 71226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| ROBINS RESEARCH AND PLANNING, INC.3 | 731 AVIGNON DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.04% |
| EMILY MEGUMI ERVIN3 | 4938 VEAZEY RD. COLDWATER, MS 38618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.03% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES RD. ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BRANDIE L JAGER3 | 1607 WESTWARD DR. GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: CONRAD SPATZ - USI SOUTHWEST | 3850 N. CAUSEWAY BLVD, ST. 1200 METARIE, LA 70002 | THE HEALTH PLAN | $42K | — | $42K | — |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 294 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $148K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $14K |
| Prescription drug | THE HEALTH PLAN | 294 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.