| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAMPOLD INSURANCE CO., LLC3 | 8768 QUARTERS LAKE RD. BATON ROUGE, LA 70809 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $56K | — | $56K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $3K | $25K | 20.51% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. - LA | 3300 W. ESPLANADE AVE. S. STE. 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $3K | $9K | 7.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 N. CAUSEWAY BLVD. SUITE 1442 METAIRIE, LA 70002 | COMPANION LIFE | $23K | — | $23K | 28.56% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J. MINEO INSURANCE | 7322 DONALDSON DR. GONZALES, LA 70737 | COMPANION LIFE | $3K | — | $3K | 3.56% |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 343 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $124K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $124K |
| Life insurance | COMPANION LIFE | 410 | $81K |
| Short-term disability | ATLANTIC AMERICAN EMPLOYEE BENEFITS | 62 | $70K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 343 | $1.9M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 410 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.