| 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 708106056 | HARTFORD LIFE AND ACCIDENT | $72K | — | $72K | 12.25% |
| 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 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4100 NEWPORT PLACE DR. SUITE 650 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 470 ASHLEY RIDGE BLVD SHREVEPORT, LA 71106 | STARMOUNT LIFE INSURANCE COMPANY | $30K | — | $30K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $7K | $7K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 4.94% |
| 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 | — | $17K | 16.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 11.83% |
| LITTLE JR., WALLACE J3 | 7418 LA SALLE AVE. BATON ROUGE, LA 70806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.50% |
| LITTLE III, WALLACE J3 | 6421 PERKINS RD. BLDG A, STE 2B BATON ROUGE, LA 70808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA NONE | Contract Administrator Service code 13 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | $131K |
| SOUTHERN SCRIPTS EIN 45-4795130 NONE | Contract Administrator Service code 13 | — | $83K |
| GALLAGHER NONE | Other services Service code 49 | 6421 PERKINS ROAD, BLDG. A STE 2B BATON ROUGE, LA 70808 | $23K |
| FIRST HEALTH NONE | Other services Service code 49 | 3434 NORTH CAUSEWAY BLVD. STE 3350 METAIRIE, LA 70002 | $20K |
| VERITY NONE | Other insurance fees and expenses Service code 73 | P. O. BOX 83578 BATON ROUGE, LA 70884 | $20K |
| POSTLETHWAITE & NETTERVILLE EIN 72-1202445 ACCOUNTING | Accounting (including auditing) Service code 10 | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | $10K |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 553 | $251K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 391 | $290K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 391 | $290K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 537 | $586K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 162 | $189K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 537 | $775K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 553 | $251K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 537 | $825K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.