| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.3 Filed as: HEALTH PLANS OF LOUISIANA | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $126K | $46K | $173K | 2.73% |
| FOSTER WILLIAM E - 3985753 | 2090 STOCKWELL ROAD BOSSIER CITY, LA 71111 | KANSAS CITY LIFE INSURANCE COMPANY | $176K | — | $176K | 21.04% |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 895 | $6.3M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 895 | $6.3M |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 692 | $835K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.