| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD SUITE 1130 METAIRIE, LA 700053039 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $118K | $0 | $118K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | BATON ROUGE 235 HIGHLANDIA DR., SUITE 200 BATON ROUGE, LA 708106056 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $43K | $0 | $43K | 0.83% |
| COLOMB AND ASSOCIATES, LLC3 | 3445 N. CAUSEWAY BLVD. SUITE 904 METAIRIE, LA 70002 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD. SUITE 1130 METAIRIE, LA 70005 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 6.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 6.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD. SUITE 1130 METAIRIE, LA 70005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 7.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUSTIN CAPITAL PLAN ADM SERVICES FSA CLAIMS ADMIN | Claims processing Service code 12 | 1700 PACIFIC AVE SUITE 3650 DALLAS, TX 75201 | $0 |
| ROGERS BENEFIT GROUP, INC. NONE | Insurance agents and brokers Service code 22 | 3525 N. CAUSEWAY BLVD. SUITE 701 METAIRIE, LA 70002 | $0 |
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 | 354 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 319 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $198K |
| Vision | AETNA LIFE INSURANCE CO. | 455 | $402K |
| Life insurance | AETNA LIFE INSURANCE CO. | 455 | $402K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 455 | $402K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 455 | $402K |
| Other | AETNA LIFE INSURANCE CO. | 455 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.