| 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. | $96K | $0 | $96K | 2.67% |
| 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. | $4K | $0 | $4K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD. SUITE 1130 METAIRIE, LA 70005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 111 VETERANS BLVD SUITE 1130 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $11K | $15K | 19.03% |
| COLOMB AND ASSOCIATES, LLC3 | 3636 S I-10 SERVICE ROAD SUITE 2015 METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$4K | -$4K | -4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 111 VETERANS BLVD SUITE 1130 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $8K | $11K | 19.21% |
| COLOMB AND ASSOCIATES, LLC3 | 3636 S I-10 SERVICE ROAD SUITE 205 METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$3K | -$3K | -4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 111 VETERANS BLVD SUITE 1130 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $7K | $10K | 19.11% |
| COLOMB AND ASSOCIATES, LLC3 Filed as: COLOMB AND ASSOCIATES, INC. | 3636 S I-10 SERVICE ROAD SUITE 205 METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$2K | -$2K | -4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD.- SUITE 1130 METAIRIE, LA 70005 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 13.07% |
| COLOMB AND ASSOCIATES, LLC3 | 3445 N CAUSEWAY BLVD. SUITE 205 METAIRIE, LA 70001 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 6.90% |
| COLOMB AND ASSOCIATES, LLC3 | 3445 N. CAUSEWAY BLVD. SUITE 904 METAIRIE, LA 70002 | AETNA LIFE INSURANCE CO. | $1K | $0 | $1K | 6.17% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $329 | $0 | $329 | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 111 VETERANS BLVD SUITE 1130 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | $801 | $1K | 21.36% |
| COLOMB AND ASSOCIATES, LLC3 | 3636 S I-10 SERVICE ROAD SUITE 205 METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | $0 | $245 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 4TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$226 | -$226 | -4.62% |
| 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 |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 220 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $131K |
| Vision | AETNA LIFE INSURANCE CO. | 313 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $79K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.