| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 470 ASHLEY RIDGE BLVD SHREVEPORT, LA 71106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 708106056 | HCC LIFE INSURANCE COMPANY | $9K | $6K | $15K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | HARTFORD LIFE AND ACCIDENT | $45K | — | $45K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMAN AVE SUITE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.43% |
| 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 | $17K | $4K | $21K | 17.71% |
| LITTLE JR., WALLACE J3 | 7418 LA SALLE AVE. BATON ROUGE, LA 70806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.45% |
| LITTLE III, WALLACE J3 | 6421 PERKINS RD. BLDG A, STE 2B BATON ROUGE, LA 70808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.45% |
| EMPLOYER RESOURCE GROUP LLC3 | 11616 SOUTHFORK AVE SUITE 202 BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 34.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 NONE | Contract Administrator Service code 13 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | $146K |
| SOUTHERN SCRIPTS EIN 45-4795130 NONE | Contract Administrator Service code 13 | — | $86K |
| GALLAGHER EIN 36-4291971 NONE | Other services Service code 49 | 6421 PERKINS ROAD, BLDG. A STE 2B BATON ROUGE, LA 70808 | $26K |
| FIRST HEALTH EIN 20-1736437 NONE | Other services Service code 49 | 3434 NORTH CAUSEWAY BLVD. STE 3350 METAIRIE, LA 70002 | $22K |
| VERITY EIN 45-0510678 NONE | Other insurance fees and expenses Service code 73 | P. O. BOX 83578 BATON ROUGE, LA 70884 | $22K |
| POSTLETHWAITE & NETTERVILLE EIN 72-1202445 ACCOUNTING | Accounting (including auditing) Service code 10 | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | $11K |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 659 | $310K |
| Dental | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $364K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $364K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 629 | $298K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $117K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $117K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 659 | $310K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 629 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.