| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ELIXIR SOLUTIONS | — | $23K | $23K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| GBS BATON ROUGE - BESSELMAN3 | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $26K | — | $26K | 18.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 0.79% |
| GBS BATON ROUGE - BESSELMAN3 | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $22K | — | $22K | 16.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 0.87% |
| GBS BATON ROUGE - BESSELMAN3 | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $18K | — | $18K | 18.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $664 | $664 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 23.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $855 | $7K | 23.00% |
| GBS BATON ROUGE - BESSELMAN3 | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 18.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $81 | $81 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $496 | $4K | 23.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3500 N CAUSEWAY BLVD SUITE 1442 METARIE, LA 70002 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $204 | — | $204 | 1.38% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $193 | — | $193 | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $131 | — | $131 | 0.89% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $12 | — | $12 | 0.08% |
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 | 728 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ELIXIR SOLUTIONS | 483 | $1.4M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 459 | $162K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 459 | $162K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 599 | $155K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 146 | $124K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 164 | $137K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 216 | $610K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 599 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.