| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLEHOUSE TOWER 11 N WATER ST FL-19 MOBILE, AL 36602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.96% |
| BANCORP SOUTH INSURANCE SERVICES3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 708097318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | RSA BATTLEHOUSE TOWER 11 N WATER ST FL-19 MOBILE, AL 36602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.74% |
| BANCORP SOUTH INSURANCE SERVICES3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 708097318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.26% |
| BANCORP SOUTH INSURANCE SERVICES3 | P.O. BOX 3809 BATON ROUGE, LA 70821 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | RSA BATTLEHOUSE TOWER 11 N WATER ST FL-19 MOBILE, AL 36602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.95% |
| BANCORP SOUTH INSURANCE SERVICES3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 708097318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | RSA BATTLEHOUSE TOWER 11 N WATER ST FL-19 MOBILE, AL 36602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.96% |
| BANCORP SOUTH INSURANCE SERVICES3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 708097318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | RSA BATTLEHOUSE TOWER 11 N WATER ST FL-19 MOBILE, AL 36602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.64% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BANCORP SOUTH INSURANCE SERVIES | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 708097318 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.36% |
| WRIGHT & PERCY OF BANCORP SOUTH3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $25K | $12K | $37K | — |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 568 | $0 |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $61K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 568 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 568 | $0 |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.