| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 | 5020 UTICA STREET METAIRIE, LA 70006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 3.79% |
| ELLSWORTH CORPORATION3 | 3636 S-I-10 SERVICE ROAD METAIRIE, LA 70001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 1.11% |
| BOBCOCK CONSULTING GROUP3 | 5020 UTICA STREET METAIRIE, LA 70006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 10.96% |
| ELLSWORTH CORPORATION3 | 3636 S-I-10 SERVICE ROAD METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 4.03% |
| BABCOCK CONSULTING GROUP LLC3 | — | HM LIFE INSURANCE COMPANY | $12K | — | $12K | 7.59% |
| ELLSWORTH CORPORATION3 | 3636 S-I-10 SERVICE ROAD METAIRIE, LA 70001 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 2.41% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA STREET METAIRIE, LA 70006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 11.17% |
| ELLSWORTH CORPORATION3 | 3636 S-I-10 SERVICE ROAD METAIRIE, LA 70001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.83% |
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 | 2,800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,941 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 2,698 | $159K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,797 | $317K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $129K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,797 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,941 | — |
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.