| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUERBES & NELSON3 | 214 MILAM ST SHREVEPORT, LA 71101 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $24K | $16K | $40K | 5.73% |
| QUERBES & NELSON3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 17.71% |
| LOUISIANA COMPANIES3 | 801 NORTH BOULEVARD BATON ROUGE, LA 70802 | RELIANCE STANDARD LIFE INSURANCE | $12K | — | $12K | 11.44% |
| LOUISIANA COMPANIES3 | 801 NORTH BOULEVARD BATON ROUGE, LA 70821 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 10.40% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $196 | $2K | 5.80% |
| LOUISIANA COMPANIES3 Filed as: LOUISIANA COMPANIES INC | PO BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.77% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROFESSIONAL CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | — | $741 | 2.71% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $42 | $522 | 1.91% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES INC. | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $3 | $470 | 1.72% |
| LEE E FRITZE3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $211 | $381 | 1.39% |
| TABITHA DAY3 | 13384 REID DRIVE GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $10 | $159 | 0.58% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DRIVE COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.21% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVENUE BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.10% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| LULA D HOTARD3 | 184 ST CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 87 | $802K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 120 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 120 | $72K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 179 | $174K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 179 | $147K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 179 | $147K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 87 | $694K |
| Other(4 contracts, 4 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 179 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.