| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER SUITE 250 LAFAYETTE, LA 70503 | BLUE CROSS AND BLUE SIELD OF LOUISIANA | $85K | $32K | $117K | 4.11% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DR SUITE 250 LAFAYETTE, LA 70503 | AMERITAS LIFE INSURANCE CORP | $23K | — | $23K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 1.13% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $430 | $2K | 1.86% |
| MARK METTILLE3 | 2340 EAST TRINITY MILLS SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $604 | — | $604 | 0.50% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE SUITE 103 LAFAYETTE, LA 70503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 23.71% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.00% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP. INC | 3939 NORTH CAUSEWAY BOULEVARD METARIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $207 | — | $207 | 0.20% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $4K | $19K | 18.86% |
| MARK METTILLE3 | 2340 EAST TRINITY MILLS SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $3K | $18K | 18.44% |
| MARK METTILLE3 | 2340 EAST TRINITY MILLS SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $4K | $13K | 13.80% |
| MARK METTILLE3 | 2340 EAST TRINITY MILLS SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 70503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $14K | $18K | 67.74% |
| MARK METTILLE3 | 2340 EAST TRINITY MILLS SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 467 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SIELD OF LOUISIANA | 342 | $2.8M |
| Dental | AMERITAS LIFE INSURANCE CORP | 389 | $229K |
| Vision | AMERITAS LIFE INSURANCE CORP | 389 | $229K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $125K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $95K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SIELD OF LOUISIANA | 342 | $2.8M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.