| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC - LOUISIANA | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $70K | — | $70K | 2.25% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $62K | $624 | $62K | 2.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NC 10170 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | — | $500 | $500 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 | 15233 VENTURA BOULEVARD #1020 SHERMAN OAKS, CA 91403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 21.29% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.08% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMAN HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $13K | $617 | $14K | 7.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC-LOUISIANA | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METAIRIE, LA 70002 | HUMAN HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $13K | — | $13K | 7.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NY 10170 | HUMAN HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $5K | — | $5K | 3.04% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE #400 BATON ROUGE, LA 70809 | FEDERAL INSURANCE COMPANY | $13K | — | $13K | 15.10% |
| RSC INSURANCE BROKERAGE INC3 | 3525 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | FEDERAL INSURANCE COMPANY | $13K | — | $13K | 14.90% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $2K | $114 | $3K | 7.81% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC-LOUISIANA | 3500 NORTH CAUSEWAY BOULEAVARD SUITE 1442 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $2K | — | $2K | 7.54% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NY 10170 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $1K | — | $1K | 3.34% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 210 | $3.1M |
| Dental | HUMAN HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 181 | $176K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 153 | $33K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $448K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $448K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.