| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $1K | $50K | 3.64% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFITS GROUP INC-LA | 3300 WEST ESPLANADE AVENUE SOUTH SUITE 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.44% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.18% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.81% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH I-10 SERVICE ROAD METAIRIE, LA 70001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.94% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.44% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| CRESCENT CITY BENEFITS INS3 | 4323 DIVISION STREET SUITE 111 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | — | $522 | 2.13% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DRIVE APARTMENT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $469 | — | $469 | 1.91% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.49% |
| CRESENT CITY BENEFITS INS3 Filed as: CRESENT CITY BENEFITS INSURANCE | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.47% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 16.15% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INSURANCE | 4323 DIVISION STREET SUITE 111 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 3.35% |
| BRIAN PATUREAU LLC3 Filed as: BRIAN PATUREAU, LLC | 8383 WESTSHORE DRIVE APARTMENT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 2.84% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INSURANCE | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.12% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 8.72% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DRIVE APT M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 1.64% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INSURANCE | 4323 DIVISION STREET SUITE 111 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 1.64% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INSURANCE | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.82% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $1.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $91K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $91K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.