| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LA HEALTH SERVICES AND INDEMNITY3 | 5525 REITZ AVENUE BATON ROUGE, LA 708093802 | BCS INSURANCE COMPANY | — | $31K | $31K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC. | 9026 JEFFERSON HWY SUITE 202 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 14.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.79% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN STEVEN RAY | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COL, LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $961 | — | $961 | 0.54% |
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 | 1,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,035 | $154K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,417 | $878K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 598 | $337K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,324 | $412K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 598 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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.