| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | UNKNOWN SULPHUR, LA 70665 | BLUECROSS BLUESHIELD OF LOUISIANA | $23K | $13K | $35K | 3.07% |
| LABI SERVICE CORPORATION3 | UNKNOWN SULPHUR, LA 70665 | BLUECROSS BLUESHIELD OF LOUISIANA | — | $26K | $26K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF LOUISIANA | $12K | — | $12K | 1.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 7.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1-B ODESSA DALLAS, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.26% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | PO BOX 2153 BIRMINGHAM, AL 35287 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $863 | — | $863 | 4.19% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | UNKNOWN SULPHUR, LA 70665 | SOUTHERN NATIONAL LIFE | $1K | $63 | $1K | 11.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | SOUTHERN NATIONAL LIFE | $583 | — | $583 | 6.15% |
| LABI SERVICE CORPORATION3 | UNKNOWN SULPHUR, LA 70665 | SOUTHERN NATIONAL LIFE | — | $502 | $502 | 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 | 218 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 351 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $71K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 142 | $21K |
| Life insurance | SOUTHERN NATIONAL LIFE | 168 | $9K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 351 | $1.1M |
| Other | SOUTHERN NATIONAL LIFE | 168 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.