| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARM DRIVE BUILDING 5 SUITE A BATON ROUGE, LA 70806 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $23K | $21K | $44K | 4.51% |
| BLANCHARD E SANCHEZ3 Filed as: BLANCHARD SANCHEZ | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $11K | — | $11K | 1.17% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 11.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 1800 CITY FARM DRIVE BUILDING 5 SUITE A BATON ROUGE, LA 70806 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.50% |
| SANCHEZ, BLANCHARD E3 | 5532 WOODCHASE CT BATON ROUGE, LA 70808 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.50% |
| LOUISIANA AUTOMOBILE DEALERS ASSOC3 | 7526 PICARDY BATON ROUGE, LA 70808 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $290 | $290 | 0.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DRIVE BUILDING 5 SUITE A BATON ROUGE, LA 70806 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| BLANCHARD E SANCHEZ3 Filed as: BLANCHARD EMANUAL SANCHEZ | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 4.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 9026 JEFFERSON HWY STE 202 BATON ROUGH, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $175 | $188 | $363 | 1.99% |
| SANCHEX JR, BLANCHARD E3 | 8702 JEFFERSON HIGHWAY, SUITE B BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $116 | — | $116 | 0.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $790 | — | $790 | 15.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARM DRIVE BUILDING 5 SUITE A BATON ROUGE, LA 70806 | AMERICAN FIDELITY ASSURANCE COMPANY | $130 | — | $130 | 2.49% |
| SANCHEZ, BLANCHARD E3 | 5532 WOODCHASE CT BATON ROUGE, LA 70808 | AMERICAN FIDELITY ASSURANCE COMPANY | $130 | — | $130 | 2.49% |
| LOUISIANA AUTOMOBILE DEALERS ASSOC3 | 7526 PICARDY BATON ROUGE, LA 70808 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $31 | $31 | 0.59% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 182 | $1.0M |
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 109 | $64K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 109 | $64K |
| Life insurance(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 34 | $58K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 34 | $58K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 34 | $58K |
| Other(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 34 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.