| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BOULEVARD SUITE 200 METAIRIE, LA 70005 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.43% |
| EUSTIS BENEFITS LLC3 Filed as: EUSTIS INSURANCE & BENEFITS | 110 VETERANS MEMORIAL BOULEVARD SUITE 200 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $623 | $2K | 8.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.12% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.49% |
| EUSTIS BENEFITS LLC3 | 110 VETERANS MEMORIAL BOULEVARD SUITE 200 METAIRIE, LA 70005 | TRANSAMERICA LIFE INSURANCE COMPANY | $805 | $0 | $805 | 3.41% |
| JOSEPH H SHAW3 Filed as: JOSEPH H. SHAW | 9008 RUSHING RIVER WAY NICEVILLE, FL 32578 | TRANSAMERICA LIFE INSURANCE COMPANY | $303 | $0 | $303 | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.12% |
| EMPLOYER RESOURCE GROUP LLC3 | 4100 SOUTH SHERWOOD FOREST BLVD SUITE 204 BATON ROUGE, LA 70816 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 25.05% |
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 | 160 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $656K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $656K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $656K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $52K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 56 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $28K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $656K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.