| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| BENPRO, LLC3 | 68270 TAULLA DR COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | $28K | $0 | $28K | 15.85% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J MINEO | 7322 DONALDSON DR GONZALES, LA 70737 | COMPANION LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 RIDGEVIEW DRIVE STE 100 CARY, NC 27511 | COMPANION LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 30.82% |
| BENPRO, LLC3 | 2001 LAKESHORE DR. MANDEVILLE, LA 70448 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 29.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 30.63% |
| BENPRO, LLC3 | 2001 LAKESHORE DR. MANDEVILLE, LA 70448 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 29.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 30.34% |
| BENPRO, LLC3 | 2001 LAKESHORE DR. MANDEVILLE, LA 70448 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 29.66% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 815 | $493K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 867 | $62K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 282 | $226K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 282 | $226K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 282 | $226K |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 282 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.