| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES E. GENOIS3 | 110 VETERANS MEMORIAL DRIVE SUITE 400 MATAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 770435267 | AMERITAS LIFE INSURANCE CORP. | $24K | — | $24K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 2.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 3850 N. CAUSEWAY BLVD. SUITE 1970 METAIRIE, LA 700028103 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | METROPOLITAN LIFE INSURANCE COMPANY | — | $488 | $488 | 0.30% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS, LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 13.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TRYON STREET FLOOR 46 CHARLOTTE, NC 28202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF LA | 3850 N. CAUSEWAY BLVD METAIRIE, LA 70002 | EYEMED VISION CARE | $5K | — | $5K | 12.36% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 622 | $243K |
| Vision | EYEMED VISION CARE | 617 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $163K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $253K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 613 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.