| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS OF LA3 Filed as: HEALTH PLANS OF LOUISANA | 2090 STOCKWELL RD BOSSIER CITY, LA 71111 | BLUE CROSS BLUE SHEILD OF LOUISIANA | $498K | $9K | $507K | 6.86% |
| FOSTER WILLIAM E - 3985753 Filed as: FOSTER WILLIAM E-39857S | 2090 STOCKWELL RD BOSSIER CITY, LA 71111 | KANSAS CITY LIFE INSURANCE COMPANY | $210K | — | $210K | 21.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEAN MILLER LLP LEGAL | Legal Service code 29 | 400 CONVENTION ST STE 700 225-387-0999 BATON ROUGE, LA 70802 | $21K |
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 | 978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF LOUISIANA | 978 | $7.4M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 801 | $995K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 801 | $995K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 801 | $995K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 801 | $995K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 801 | $995K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF LOUISIANA | 978 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.