| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLSWORTH CORPORATION3 | 3636 S-I-10 SERVICE ROAD SUITE 101 METAIRIE, LA 70001 | HM LIFE INSURANCE COMPANY | $300K | — | $300K | 15.00% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH IH 10 SERVICE ROAD METAIRIE, LA 70001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 4.91% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH IH 10 SERVICE ROAD METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 14.99% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH IH 10 SERVICE ROAD METAIRIE, LA 70001 | HM LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH IH 10 SERVICE ROAD METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 15.00% |
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 | 2,277 | 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) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,487 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY | 2,254 | $152K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,277 | $307K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 462 | $134K |
| Prescription drug | SCRIPT CARE | 6,054 | $3.9M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,312 | $2.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,277 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,054 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.