| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISANA | $56K | $11K | $67K | 4.20% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METARIE, LA 70006 | STARMOUNT LIFEINSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METARIE, LA 70006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METARIE, LA 70006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP,LLC | 5020 UTICA STREET METARIE, LA 70006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.22% |
| BENPRO, LLC3 Filed as: BENPRO LLC | 68270 TAULLA DRIVE COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.72% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $681 | — | $681 | 2.39% |
| BRIAN PATUREAU LLC3 | 8383 WESTSHORE DRIVE APARTMENT M181 COVINGTON, LA 70443 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $870 | — | $870 | 10.01% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 5.36% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.15% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METARIE, LA 70006 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 14.99% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREEET METARIE, LA 70006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $332 | — | $332 | 15.00% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 10.24% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CLAYTON | 5020 UTICA STREET METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 9.04% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | 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) | BLUE CROSS AND BLUE SHIELD OF LOUISANA | 125 | $1.6M |
| Dental | STARMOUNT LIFEINSURANCE COMPANY | 120 | $71K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 104 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISANA | 125 | $1.6M |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.