| 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 | $66K | — | $66K | 11.80% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | BCS INSURANCE COMPANY | $7K | — | $7K | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 9026 JEFFERSON HWY SUITE 202 BATON ROUGE, LA 70809 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 15.00% |
| WATKINS INSURANCE & BENEFITS, LLC.3 Filed as: WATKINS INSURANCE AND BENEFITS | 5501 COLISEUM BLVD ALEXANDRIA, LA 71303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 14.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SOUTH CAROL EIN 57-0287419 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Recordkeeping fees Service code 12 | — | $645K |
| MARTCO LLC EIN 72-0920365 PLAN SPONSOR | Contract Administrator; Accounting (including auditing); Direct payment from the plan; Claims processing; Copying and duplicating; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 10 | — | $200K |
| RAPIDES NURSING SERVICES EIN 65-1261230 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $141K |
| DELTA DENTAL EIN 94-2761537 | Direct payment from the plan; Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $66K |
| SCRIPT CARE, LTD. EIN 76-0295598 | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $53K |
| INFINISOURCE INC EIN 38-2976613 | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication; Recordkeeping fees Service code 12 | — | $20K |
| PAYNE MOORE AND HERRINGTON LLP EIN 72-0475011 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| BABCOCK CONSULTING GROUP, LLC | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 5020 UTICA STREET METAIRIE, LA 70006 | $0 |
| NFP CORPORATE SERVICES (LA), INC | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 9026 JEFFERSON HWY SUITE 202 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 | 1,231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | 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) | 1,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 929 | $142K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,245 | $797K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,086 | $556K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,261 | $315K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,086 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,261 | — |
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.