| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 | 5020 UTICA STREET METAIRIE, LA 70006 | BLUE CROSS BLUE SHIELD OF LOUISIANNA | $69K | $29K | $99K | 4.98% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA ST METAIRIE, LA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 13.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.14% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | DELTA DENTAL | $7K | — | $7K | 10.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA ST METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.42% |
| CRESCENT CITY BENEFITS INS3 | 4323 DIVISION STREET STE 111 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $942 | — | $942 | 2.75% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DR APT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $851 | — | $851 | 2.48% |
| CRESENT CITY BENEFITS INS3 | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 0.55% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 15.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA ST METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $331 | — | $331 | 9.42% |
| CRESCENT CITY BENEFITS INS3 | 4323 DIVISION STREET STE 111 MATAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 2.45% |
| BRIAN PATUREAU LLC3 Filed as: BRIAN PATUREAU, LLC | 8383 WESTSHORE DR APT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 2.45% |
| CRESENT CITY BENEFITS INS3 | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.26% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANNA | 227 | $2.0M |
| Dental | DELTA DENTAL | 116 | $68K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 82 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $110K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $110K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $110K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANNA | 227 | $2.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.