| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | UNION SECURITY INSURANCE COMPANY | $62K | — | $62K | 13.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70816 | UNION SECURITY INSURANCE COMPANY | — | $15K | $15K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 601433141 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | HCC LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | UNION SECURITY INSURANCE COMPANY | $17K | $6K | $23K | 16.08% |
| LITTLE JR., WALLACE J3 | 7418 LA SALLE AVE. BATON ROUGE, LA 70806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| LITTLE III, WALLACE J3 | 6421 PERKINS RD. BLDG A, STE 2B BATON ROUGE, LA 70808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | HUMANA VISION INSURANCE COMPANY | $4K | $1K | $5K | 13.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN SCRIPTS EIN 45-4795130 NONE | Contract Administrator Service code 13 | — | $905K |
| WEBTPA NONE | Contract Administrator Service code 13 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | $116K |
| GALLAGHER NONE | Other services Service code 49 | 6421 PERKINS ROAD, BLDG. A STE 2B BATON ROUGE, LA 70808 | $21K |
| FIRST HEALTH NONE | Other services Service code 49 | 3434 NORTH CAUSEWAY BLVD. STE 3350 METAIRIE, LA 70002 | $18K |
| VERITY NONE | Other insurance fees and expenses Service code 73 | P. O. BOX 83578 BATON ROUGE, LA 70884 | $18K |
| POSTLETHWAITE & NETTERVILLE EIN 72-1202445 ACCOUNTING | Accounting (including auditing) Service code 10 | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | $9K |
| MASSACHUSETTS DIV OF HEALTH CARE FI EIN 04-6002284 NONE | Other insurance fees and expenses Service code 73 | — | $5K |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 516 | $207K |
| Dental | UNION SECURITY INSURANCE COMPANY | 381 | $468K |
| Vision | HUMANA VISION INSURANCE COMPANY | 316 | $36K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 506 | $611K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 381 | $468K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 381 | $729K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 516 | $207K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 506 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.