| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABI SERVICE CORPORATION3 | P. O. BOX 80258 BATON ROUGE, LA 70898 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $14K | $14K | 0.76% |
| N/A0 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| N/A0 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| N/A0 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| BRET A CLESI0 | 201 ST. CHARLES AVE STE 2401 NEW ORLEANS, LA 70170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED0 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| N/A0 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY3 Filed as: ELATAS RISK PARTNERS, INC. | ONE GALLERIA BLVD., SUITE 700 METAIRIE, LA 700019915 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | — | $0 | — |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 181 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $101K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $101K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $64K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 181 | $1.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.