| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING INC | 2908 CHANTRY PL SE GURLEY, AL 35748 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $10 | $3K | 8.11% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.67% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING INC | 2800 VETERANS BLVD STE 320 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.64% |
| ELLSWORTH CORPORATION3 | 3636 S I10 SERVICE RD W STE 101 METAIRIE, LA 70001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | $0 | $936 | 2.36% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING INC | 2800 VETERANS BLVD STE 320 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.62% |
| ELLSWORTH CORPORATION3 | 3636 S I10 SERVICE RD W STE 101 METAIRIE, LA 70001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $337 | $0 | $337 | 2.38% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING INC | 2800 VETERANS BLVD STE 320 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.55% |
| ELLSWORTH CORPORATION3 | 3636 S I10 SERVICE RD W STE 101 METAIRIE, LA 70001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | $0 | $220 | 2.45% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING INC | 2800 VETERANS BLVD STE 320 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $17K | $0 | $17K | — |
| ELLSWORTH CORPORATION3 | 3636 S I10 SERVICE RD W STE 101 METAIRIE, LA 70001 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $3K | $0 | $3K | — |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 125 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 125 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.