| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 2456 LAFAYETTE, LA 70502 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $61K | $43K | $104K | 5.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNC | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTENRS GULF COAST INS AGNC | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNC | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNC | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.27% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 501 | $2.0M |
| Dental | STANDARD INSURANCE COMPANY | 182 | $166K |
| Vision | STANDARD INSURANCE COMPANY | 160 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 275 | $45K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 275 | $75K |
| Long-term disability | STANDARD INSURANCE COMPANY | 130 | $37K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 501 | $2.0M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 275 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.