| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST. BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $1K | $72K | 3.40% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC.-LA | 3300 W. ESPLANADE AVE., STE. 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.16% |
| ELLSWORTH CORPORATION3 | P.O. BOX 8210 METAIRIE, LA 70011 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 3500 N. CAUSEWAY BLVD., SUITE 1442 METAIRIE, LA 70002 | COMPANION LIFE INSURANCE COMPANY | $44K | — | $44K | 8.42% |
| ELLSWORTH CORPORATION3 Filed as: ELLSWORTH ORGANIZATION | 3636 S I-10 SERVICE ROAD, SUITE 101 METAIRIE, LA 70001 | COMPANION LIFE INSURANCE COMPANY | $15K | — | $15K | 2.81% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J. MINEO INSURANCE LLC | 7322 DONALDSON DR. GONZALES, LA 70737 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 1.19% |
| TREVOR KEBODEAUX3 | RISK STRATEGIES COMPANY 3500 N. CAUSEWAY BLVD., SUITE 1442 METAIRIE, LA 70002 | INTERFACE EAP, INC. | $1K | — | $1K | 22.73% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $2.1M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 198 | $520K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $2.1M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 198 | $520K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 198 | $520K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 198 | $520K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $2.1M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 198 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.