| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BENEFITS & CONSULTING LLC3 | 106 OIL CENTER STE 250 LAFAYETTE, LA 70503 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $152K | $0 | $152K | 3.00% |
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E COLLEGE ST LAKE CHARLES, LA 706051704 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 5.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.13% |
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E COLLEGE ST LAKE CHARLES, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $70K | $12K | $81K | 26.23% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| FMLASOURCE INC5 | 455 N CITY FRONT PLZ DR 13TH FLOOR CHICAGO, LA 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 2.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 422 EAST COLLEGE ST LAKE CHARLES, LA 70605 | GUARDIAN LIFE INSURANCE COMPANY | $35K | — | $35K | 20.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY | $653 | — | $653 | 0.38% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,081 | $5.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,009 | $379K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,009 | $379K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 526 | $310K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,081 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.