| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAMPOLD INSURANCE CO., LLC3 | UNKNOWN METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $36K | $20K | $55K | 6.89% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METAIRIE, LA 70002 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 8.20% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 1.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 179 | $800K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 189 | $68K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 189 | $68K |
| Life insurance | STANDARD INSURANCE COMPANY | 50 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 50 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 179 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.