| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $64K | — | $64K | 15.00% |
| ASHLEY COPELAND3 | 215 COUNTRY PARK DRIVE YOUNGSVILLE, LA 70592 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | — | $14K | 8.96% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 4.49% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 4.49% |
| RIEHM BENEFITS LLC3 | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 848315 DALLAS, TX 75284 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PKWY SE SUITE 6955 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $219 | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| 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 412703 SUITE 301 BOSTON, MA 02241 | UNITEDHEALTHCAREINSUREDDENTAL/VISION-UNITED HEALTH | $943 | — | $943 | 9.95% |
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 |
|---|---|---|---|
| Vision | UNITEDHEALTHCAREINSUREDDENTAL/VISION-UNITED HEALTH | 93 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $77K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 116 | $153K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $67K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ZURICH NORTH AMERICAN INSURANCE COMPANY | 156 | $502K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 203 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.