| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 2.49% |
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.86% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 14.33% |
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.61% |
| JOSEPH H SHAW3 | 9008 RUSHING RIVER WAY NICEVILLE, FL 32578 | TRANSAMERICA LIFE INSURANCE COMPANY | $792 | — | $792 | 1.23% |
| EMPLOYER RESOURCE GROUP LLC3 | 4100 S SHERWOOD FOREST BLVD STE 204 BATON ROUGE, LA 70816 | TRANSAMERICA LIFE INSURANCE COMPANY | $248 | — | $248 | 0.38% |
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2 | $2K | 10.01% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS BENEFITS | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1 | $1K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD STE 200 METAIRIE, LA 70005 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.71% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $802K |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $814K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $802K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $84K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $11K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.