| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | HUMANA HEALTH BENEFITS PLAN OF LOUISIANA, INC. | $26K | $6K | $32K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLV SUITE 200 MATAIRIE, LA 70005 | HUMANA HEALTH PLAN, INC. | $44K | — | $44K | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12718 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS | 4323 DIVISION STREET SUITE 111 METAIRIE, LA 70002 | LEADERS LIFE INSURANCE COMPANY | $11K | — | $11K | 15.15% |
| ASHLEY COPELAND3 Filed as: ASHLEY ANN COPELAND | P.O. BOX 323 YOUNGSVILLE, LA 70592 | LEADERS LIFE INSURANCE COMPANY | $10K | — | $10K | 13.17% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $3K | — | $3K | 3.45% |
| STEVEN PATRICK RILEY3 | PO BOX 7872 METAIRIE, LA 70010 | LEADERS LIFE INSURANCE COMPANY | $626 | — | $626 | 0.85% |
| KAREN L BURGESS3 | 5140 WEAVER RD APT C12 BESSEMER, AL 35022 | LEADERS LIFE INSURANCE COMPANY | $205 | — | $205 | 0.28% |
| LESLIE SANBORN KELLY3 | 4717 REICH ST METAIRIE, LA 70006 | LEADERS LIFE INSURANCE COMPANY | $98 | — | $98 | 0.13% |
| TABITHA DENISE DUGAS3 | 5140 WEAVER RD APT C12 LAKE CHARLES, LA 70605 | LEADERS LIFE INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INC | 5213 TOBY LN KENNER, LA 70065 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| ASHLEY COPELAND3 | PO BOX 323 YOUNGSVILLE, LA 70592 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 8.34% |
| EMPLOYER BENEFIT SOLUTIONS INC3 Filed as: EMPLOYER BENEFIT SOLUTIONS | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | LEADERS LIFE INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| LESLIE KELLY3 | 456 PEARRE SPRINGS WAY FRANKLIN, TN 37064 | LEADERS LIFE INSURANCE COMPANY | $16 | — | $16 | 0.08% |
| TABITHA DENISE DUGAS3 Filed as: TABITHA DUGAS | 5709 FIR ST. LAKE CHARLES, LA 70605 | LEADERS LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.11% |
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.24% |
| ASHLEY COPELAND3 | PO BOX 323 YOUNGSVILLE, LA 70592 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 11.93% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INC | 5213 TOBY LN KENNER, LA 70065 | LEADERS LIFE INSURANCE COMPANY | $757 | — | $757 | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLV STE 200 METAIRIE, LA 70005 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $1K | $153 | $1K | 11.53% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INS. | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $969 | — | $969 | 32.43% |
| ASHLEY COPELAND3 | PO BOX 323 YOUNGSVILLE, LA 70592 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $818 | — | $818 | 27.38% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH BENEFITS PLAN OF LOUISIANA, INC. | 155 | $1.1M |
| Dental(3 contracts, 3 carriers) | HUMANA HEALTH BENEFITS PLAN OF LOUISIANA, INC. | 155 | $613K |
| Vision(3 contracts, 3 carriers) | HUMANA HEALTH BENEFITS PLAN OF LOUISIANA, INC. | 84 | $615K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $165K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $56K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 155 | $513K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $117K |
| 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.