| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | HUMANA | $56K | — | $56K | 8.12% |
| ASHLEY COPELAND3 | 215 COUNTRY PARK DRIVE YOUNGSVILLE, LA 70592 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| MANUEL R MCKAY3 | 110 TRAVIS STREET SUITE 11 LAFAYETTE, LA 70503 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | COMPANION LIFE INSURANCE | $189 | — | $189 | 1.49% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETARANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | COMPANION LIFE INSURANCE | $172 | — | $172 | 1.36% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS, LLC | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | HUMANADENTAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 NONE | Contract Administrator Service code 13 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | $30K |
| EUSTIS BENEFITS, LLC EIN 72-1297371 NONE | Consulting (general) Service code 16 | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | $12K |
| EDWARD BASSO II NONE | Consulting (general) Service code 16 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70433 | $5K |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA | 306 | $708K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 306 | $69K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 110 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.