| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | UNITED CONCORDIA INSURANCE COMPANY | $13K | $0 | $13K | 17.01% |
| TIKIA CONSULTING GROUP INC3 Filed as: TIKIA CONSULTING GROUP, INC. | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $428 | $11K | 31.23% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSONT, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $212 | $0 | $212 | 1.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $106 | $106 | 0.79% |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 283 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 226 | $75K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $13K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 357 | $35K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF LOUISIANA | 283 | $1.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 357 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.