| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR GROUP BENEFITS LLC3 Filed as: GILSBAR GROUP BENEFITS, L.L.C. | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $65K | $18K | $83K | 4.98% |
| LABI SERVICE CORPORATION3 | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | — | $27K | $27K | 1.60% |
| SHELBY SIMS3 | 404 FORTY OAKS FARM RD. WEST MONROE, LA 71291 | VANTAGE HEALTH PLAN, INC. | $5K | — | $5K | 1.97% |
| BRIAN WHITE3 Filed as: BRIAN VARNER | 130 DESIARD ST. MONROE, LA 71201 | VANTAGE HEALTH PLAN, INC. | $1K | — | $1K | 0.49% |
| DAVISON INSURANCE AGENCY, LLC3 Filed as: DAVISON INSURANCE AGENCY LLC | PO BOX 2110 MONROE, LA 712072110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| GILSBAR, LLC3 Filed as: GILSBAR INC | 2100 COVINGTON CENTRE COVINGTON, LA 704332981 | METROPOLITIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.20% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 352 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 227 | $1.7M |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 431 | $39K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 431 | $39K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 352 | $1.9M |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 431 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.