| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 235 HIGHLANDIA DRIVE SUITE 100 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 235 HIGHLANDIA DRIVE SUITE 200 BATON ROUGE, LA 70810 | STARMOUNT LIFE INS. CO. | $7K | — | $7K | 10.00% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 14635 SOUTH HARRELLS FERRY ROAD SUITE 6C BATON ROUGE, LA 70816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 41.85% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M JONES | 203 EAST QUEENS DRIVE SLIDELL, LA 70458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 17.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INS. CO. | $6K | — | $6K | 9.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | SUITE 200 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | STARMOUNT LIFE INS. CO. | $139 | — | $139 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.09% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $811K |
| Dental(2 contracts) | STARMOUNT LIFE INS. CO. | 140 | $134K |
| Vision(2 contracts) | STARMOUNT LIFE INS. CO. | 140 | $134K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $58K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $58K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $58K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 195 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.