| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE INC OF LA3 Filed as: GROUP INSURANCE INC. OF LA | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $32K | $4K | $36K | 3.89% |
| GROUP INSURANCE INC OF LOUISIANA3 | 3636 S SHERWOOD FOREST BLVD STE 111 BATON ROUGE, LA 70816 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.51% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE #3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.33% |
| FABRE INS AGENCY LLC3 | 13550 AIRLINE HWY BATON ROUGE, LA 70817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.29% |
| JAMES E HASSINGER III3 | 9110 QUINCE STREET NEW ORLEANS, LA 70118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 111 | $915K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $114K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $169K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 143 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 111 | $915K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.