| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN GROUP, INC.3 | 3888 S. SHERWOOD FOREST BLVD. BLDG. T, SUITE T. BATON ROUGE, LA 70816 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $26K | $12K | $38K | 5.20% |
| DONNIE SANDERS3 | 12056 JUSTICE AVE BATON ROUGE, LA 70816 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.82% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE #3A BAY ST. LOUS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.01% |
| FABRE INS AGENCY LLC3 Filed as: FABRE INSURANCE AGENCY, LLC. | 13550 AIRLINE HWY BATON ROUGE, LA 70817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.41% |
| JAMES E HASSINGER III3 Filed as: JAMES E. HASSINGER III | 9110 QUINCE ST. NEW ORLEANS, LA 70118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.04% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 125 | $781K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $57K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 125 | $735K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $57K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.