| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA ST METAIRIE, LA 70006 | BCS INSURANCE COMPANY | — | $6K | $6K | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC. | 9026 JEFFERSON HWY SUITE 202 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 12.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DR BLDG 5A BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 15.16% |
| 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 | 1.02% |
| WATKINS INSURANCE & BENEFITS, LLC.3 Filed as: WATKINS INSURANCE AND BENEFITS | 5501 COLISEUM BLVD ALEXANDRIA, LA 71303 | GUARDIAN | $8K | $3K | $11K | 7.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DR, BLDG 5A BATON ROUGE, LA 70806 | GUARDIAN | $6K | — | $6K | 4.16% |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 1,080 | $135K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,342 | $660K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 679 | $344K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,347 | $379K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 679 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,347 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.