| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | P.O. BOX 3809 BATON ROUGE, LA 708213809 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.34% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $10K | 22.76% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.55% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.10% |
| PATRICE ELAINE MCCARDLE-HEINE3 Filed as: PATRICE ELAINE MCCARDLE HEINE | 10281 THIBIDEAUX RD DENHAM SPRINGS, LA 70706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.08% |
| GREG H TOWN3 | 4826 JAMESTOWN AVE STE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $0 | $298 | 0.90% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $18 | $281 | 0.85% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $1 | $183 | 0.55% |
| ELIZABETH MARIE TUFFS3 | 58125 BAYOU JACOB PLAQUEMINE, LA 70764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 0.38% |
| LES-LEIGH CARGILL3 Filed as: LES LEIGH CARGILL | 1280 ALMAGRE PEAK DR COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.26% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.24% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD RD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.08% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.08% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 26.22% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.93% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $654 | $2K | 23.53% |
| PATRICE ELAINE MCCARDLE-HEINE3 Filed as: PATRICE ELAINE MCCARDLE HEINE | 10281 THIBIDEAUX RD DENHAM SPRINGS, LA 70706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 2.39% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 1.46% |
| GREG H TOWN3 | 4826 JAMESTOWN AVE STE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.79% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.53% |
| LES-LEIGH CARGILL3 Filed as: LES LEIGH CARGILL | 1280 ALMAGRE PEAK DR COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.37% |
| STEVEN MULLEN3 | 8685 JOOR RD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.22% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.18% |
| BLANCHARD E SANCHEZ3 Filed as: BLANCHARD SANCHEZ | C/O MCARTHUR SANCHEZ ASSOC BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| WRIGHT & PERCY OF BANCORP SOUTH3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $17K | $10K | $28K | — |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 290 | $0 |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $96K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $96K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 290 | $0 |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 49 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.