| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE BRANIGAN3 | UNKNOWN UNKNOWN, LA 00000 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $20K | $13K | $32K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 00000 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $5K | $0 | $5K | 0.79% |
| GEORGE BRANIGAN3 | 3000 KINGMAN ST SUITE 100 METAIRIE, LA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 6.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY. LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 4.97% |
| GEORGE BRANIGAN3 | 3000 KINGMAN ST STE 100 METAIRIE, LA 700066627 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $34 | $407 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.26% |
| GEORGE BRANIGAN3 Filed as: GEORGE L BRANIGAN | 3000 KINGMAN ST STE 100 METAIRIE, LA 70006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | $21 | $274 | 1.36% |
| GEORGE BRANIGAN3 | UNKNOWN METAIRIE, LA 70006 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $305 | $0 | $305 | 9.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN SADDLEBROOK, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $36 | $0 | $36 | 1.06% |
| GEORGE BRANIGAN3 | 3000 KINGMAN ST STE 100 METAIRIE, LA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $205 | $0 | $205 | 6.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $130 | $0 | $130 | 3.88% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 187 | $678K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $38K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 73 | $3K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $24K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $43K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $43K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 187 | $678K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.