| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E. COLLEGE ST. LAKE CHARLES, LA 70605 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $43K | $12K | $55K | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.12% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $385 | $2K | 6.22% |
| KEVIN BLANE COOLEY3 Filed as: KEVIN COOLEY | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $2K | $424 | $2K | 7.99% |
| TED PATRICK HARLESS3 | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $2K | $424 | $2K | 7.99% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $474 | $56 | $530 | 2.01% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $138 | $49 | $187 | 0.71% |
| JONATHAN HAROLD CONRAD3 | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $40 | $14 | $54 | 0.20% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $19 | $7 | $26 | 0.10% |
| KEVIN BLANE COOLEY3 Filed as: KEVIN COOLEY | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $929 | $234 | $1K | 5.80% |
| TED PATRICK HARLESS3 | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $929 | $234 | $1K | 5.80% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $265 | $31 | $296 | 1.48% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $79 | $28 | $107 | 0.53% |
| JONATHAN HAROLD CONRAD3 | NORTHWESTERN MUTUAL 127 W BROAD ST. STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $18 | $6 | $24 | 0.12% |
| AVRIL HABETZ ENT LLC3 | NORTHWESTERN MUTUAL 111 VETERANS MEM BLVD METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $9 | $3 | $12 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $879 | $3K | 22.43% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $592 | $176 | $768 | 6.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $755 | $3K | 26.69% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | $156 | $720 | 6.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $647 | $3K | 26.40% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $505 | $129 | $634 | 6.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $710 | $2K | 24.94% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $428 | $142 | $570 | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $918 | $462 | $1K | 24.47% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $306 | $93 | $399 | 7.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $280 | $127 | $407 | 21.79% |
| GIS BENEFITS INC5 | 422 WAUPONSEE ST SUITE 300 MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $93 | $26 | $119 | 6.37% |
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 | 62 | 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) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 152 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $63K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $63K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $43K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 58 | $26K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 58 | $34K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.