| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | P. O. BOX 2121 MEMPHIS, TN 38159 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $40K | $22K | $61K | 4.63% |
| LABI SERVICE CORPORATION3 | 3113 VALLEY CREEK DR. BATON ROUGE, LA 70808 | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $34K | $34K | 2.59% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 405 E. SAINT PETER ST. NEW IBERIA, LA 705603752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | P. O. BOX 2153 DEPT. 1967 BIRMINGHAM, AL 35287 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | PO BOX 2121 MEMPHIS, TN 38159 | SOUTHERN NATIONAL LIFE | $2K | — | $2K | 17.51% |
| LABI SERVICE CORPORATION3 | 3113 VALLEY CREEK DR. BATON ROUGE, LA 70808 | SOUTHERN NATIONAL LIFE | — | $693 | $693 | 5.30% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 352 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 382 | $86K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 147 | $28K |
| Life insurance | SOUTHERN NATIONAL LIFE | 165 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 352 | $1.3M |
| Other | SOUTHERN NATIONAL LIFE | 165 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.