| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 708106056 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $51K | $31K | $82K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 708106056 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $2K | $13K | 12.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 708106056 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.20% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.47% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.87% |
| MORGAN BRENKE3 | 123 PEAK RUN YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| MICHELLE D VEAL3 Filed as: MICHELLE DEMETRIS VEAL | 7284 EFFIE DR DENHAM SPRINGS, LA 70706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | — | $327 | 0.61% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.57% |
| PAMELA TIFFANY KILBOURN3 | 244 VINET AVE NEW ORLEANS, LA 70121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.21% |
| TRICIA DARBY3 Filed as: TRICIA BETH DARBY | 210 CANDLE GLOW DRIVE NEW IBERIA, LA 70563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.11% |
| MARGA JANE TABOR3 | 9154 RUEDE VIEUX CARRE DENHAM SPRINGS, LA 70706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.10% |
| PATRICK J NEWSOM3 Filed as: PATRICK JESS NEWSOM | 104 ARAPAHOE DR LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| KEITH WILLIAM BELLE3 | 105 GENNA LN YOUNGSVILLE, LA 705926269 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| JOHN R CAMBRE3 Filed as: JOHN REYNOLDS CAMBRE | 10093 ISLAND RD VENTRESS, LA 70783 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| LATRICE NICOLE DIXON3 | 2400 VETERANS BLVD METAIRIE, LA 70002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| LACEY ANN FONTENOT3 | 359 KAISER RD KROTZ SPRINGS, LA 70750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | 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 | 228 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 210 | $115K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 210 | $115K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 210 | $115K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 108 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.