| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $15K | $17K | $33K | 3.28% |
| GREGORY BENEFITS & CONSULTING LLC3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $19K | — | $19K | 1.93% |
| LABI SERVICE CORPORATION3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $15K | $15K | 1.47% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | 106 OIL CENTER DR STE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $192 | $8K | 5.13% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE TPA | 475 FALLBROOK BLVD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| SEE ATTACHED LIST3 | — | AFLAC | $4K | — | $4K | 10.47% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 166 | $996K |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $111K |
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $111K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $186K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $186K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $151K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 166 | $996K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.