| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3300 W ESPLANADE AVENUE METAIRIE, LA 70002 | HUMANA HEALTH PLAN, INC. | $34K | $250 | $34K | 7.90% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $32K | — | $32K | 27.06% |
| ASHLEY COPELAND3 | 215 COUNTRY PARK DRIVE YOUNGSVILLE, LA 70592 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $30K | — | $30K | 25.17% |
| RIEHM BENEFITS LLC3 | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 6.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 3300 W. ESPLANADE AVE SUITE 301 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3300 W ESPLANADE AVENUE METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $705 | $419 | $1K | 14.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3300 W ESPLANADE AVENUE METAIRIE, LA 70002 | HUMANADENTAL INSURANCE COMPANY | — | $364 | $364 | 5.92% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 151 | $435K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 152 | $6K |
| Vision(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 92 | $10K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 207 | $187K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 122 | $118K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $55K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 158 | $533K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 207 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.