| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $2K | $42K | 2.88% |
| BENPRO, LLC3 Filed as: BENPRO, LLC. | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.63% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3300 WEST ESPLANADE AVENUE SOUTH SUITE 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $3K | $22K | 1.48% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.92% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.33% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH I-10 SERVICE ROAD METAIRIE, LA 70001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.78% |
| BABCOCK CONSULTING GROUP LLC3 | 5020 UTICA STREET METAIRIE, LA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.56% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.10% |
| BENPRO, LLC3 Filed as: BENPRO LLC | 68270 TAULLA DRIVE COVINGTON, LA 70433 | SUN LIFE ASSURANCE COMPANY OF CANADA | $735 | — | $735 | 0.79% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.20% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 1.15% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DRIVE APARTMENT M181 COVINGTON, LA 70443 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | — | $189 | 0.82% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 9.44% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 3.78% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.89% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.61% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.56% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 16.16% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 9.00% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.20% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $93K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $93K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $93K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.