| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 5087 THIBODAUX, LA 70302 | SCRIPT CARE | — | $22K | $22K | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PL 21 FL ITASKA, IL 60143 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $2K | $40K | 16.27% |
| BCS INSURANCE COMPANY3 | 2 MID AMERICA PLAZA, SUITE 200 OAKBROOK TERRACE, IL 60181 | BLUECROSS AND BLUESHIELD OF LOUISIANA | — | $406K | $406K | — |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUECROSS BLUESHIELD OF LOUISIANA | P.O. BOX 98029 BATON ROUGE, LA 708989029 | BLUECROSS AND BLUESHIELD OF LOUISIANA | — | $167K | $167K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 5087 THIBODAUX, LA 70302 | BLUECROSS AND BLUESHIELD OF LOUISIANA | $26K | — | $26K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 235 HIGHLANDIA DRIVE, STE 100 BATON ROUGE, LA 70810 | BLUECROSS AND BLUESHIELD OF LOUISIANA | — | $12K | $12K | — |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF LOUISIANA | 695 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Prescription drug | SCRIPT CARE | 680 | $817K |
| Stop-loss / reinsurancereinsurance | BLUECROSS AND BLUESHIELD OF LOUISIANA | 695 | $0 |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.