| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC | 9026 JEFFERSON HWY SUITE 202 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292K | — | $292K | 51.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 9026 JEFFERSON HWY SUITE 202 BATON ROUGE, LA 70809 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 14.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.53% |
| UDB INSURANCE LLC3 | 205 ANSLEY BLVD SUITE A ALEXANDRIA, LA 71303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.61% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | BCS INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | BCS INSURANCE COMPANY | $625 | — | $625 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SOUTH CAROL EIN 57-0287419 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Recordkeeping fees Service code 12 | — | $677K |
| MARTCO LLC EIN 72-1462027 PLAN SPONSOR | Plan Administrator; Participant communication; Claims processing; Copying and duplicating; Contract Administrator; Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $195K |
| RAPIDES NURSING SERVICES EIN 65-1261230 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $138K |
| SCRIPT CARE EIN 76-0621375 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $69K |
| DELTA DENTAL EIN 94-2761537 | Recordkeeping fees; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $63K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1261025 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan; Contract Administrator Service code 12 | — | $30K |
| PAYNE MOORE AND HERRINGTON LLP EIN 72-0475011 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| BABCOCK CONSULTING GROUP LLC | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 5020 UTICA STREET METAIRIE, LA 70006 | $0 |
| ELLSWORTH CORPORATION | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 8210 METAIRIE, LA 70011 | $0 |
| THE BENEFIT SOLUTION GROUP | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8702 JEFFERSON HWY SUITE A BATON ROUGE, LA 70809 | $0 |
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 | 1,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 838 | $132K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,235 | $774K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 963 | $564K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,271 | $128K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 963 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.