| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUSTICE BENEFITS LLC3 | STE 200 110 VETERANS MEMORIAL BLVD METAIRIE, LA 700054913 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | $26K | — | $26K | 7.19% |
| EUSTICE BENEFITS LLC3 | STE 200 110 VETERANS MEMORIAL BLVD METAIRIE, LA 700054913 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $673 | — | $673 | 4.21% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $640 | $640 | 4.00% |
| EUSTICE BENEFITS LLC3 | 110 VETERANS MEMORIAL DRIVE STE 200 METAIRIE, LA 700054913 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $381 | $381 | $762 | 7.99% |
| EUSTICE BENEFITS LLC3 | STE 200 110 VETERANS MEMORIAL BLVD METAIRIE, LA 70005 | UNITED HEALTHCARE INSURANCE COMPANY | $903 | — | $903 | 9.99% |
| EUSTICE BENEFITS LLC3 | STE 200 110 VETERANS MEMORIAL BLVD METAIRIE, LA 700054913 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $286 | $286 | 4.00% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ | 718 DUNBAR AVE STE 3A BAY ST LOUIS, MS 39520 | ALLSTATE WORKPLACE DIVISION | $7 | — | $7 | 2.36% |
| EUSTICE BENEFITS LLC3 | STE 200 110 VETERANS MEMORIAL BLVD METAIRIE, LA 70005 | ALLSTATE WORKPLACE DIVISION | $2 | — | $2 | 0.67% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | 127 | $362K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $25K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA INC | 127 | $362K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $10K |
| Short-term disability | ALLSTATE WORKPLACE DIVISION | 2 | $297 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $7K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.