| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $37K | $12K | $49K | 4.65% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | STARMOUNT LIFE INSURANCE COMPANY | $493 | — | $493 | 5.35% |
| BANCORP SOUTH INSURANCE SERVICES3 | PO BOX 3809 BATON ROUGE, LA 70821 | STARMOUNT LIFE INSURANCE COMPANY | $428 | — | $428 | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $178 | — | $178 | 5.10% |
| SHAWN JONES3 | 44562 HART ROAD HAMMOND, LA 70403 | AFLAC | $112 | — | $112 | 3.21% |
| MARGA JANE TABOR3 Filed as: MARGA TABOR | 9154 RUE DE VIEUX CARRE DENHAM SPRINGS, LA 70706 | AFLAC | $63 | — | $63 | 1.81% |
| PATRICE MCCARDLE HEINE3 | 10281 THIBODEAUX ROAD DENHAM SPRINGS, LA 70706 | AFLAC | $52 | — | $52 | 1.49% |
| SHAWN M CASTLEMAN3 Filed as: SHAWN CASTLEMAN | 4021 WE HECK COURT SUITE J BATON ROUGE, LA 70816 | AFLAC | $33 | — | $33 | 0.95% |
| RYAN BENTON WILLIAMS3 Filed as: RYAN WILLIAMS | 12526 LAKE LAMOND AVENUE BATON ROUGE, LA 70816 | AFLAC | $25 | — | $25 | 0.72% |
| JOSEPH ANTHONY FELDER3 Filed as: JOSEPH FELDER | 23642 HIGHWAY 25 FRANKLINTON, LA 70438 | AFLAC | $17 | — | $17 | 0.49% |
| AARON ABRAMS COX3 Filed as: AARON COX | 38036 MAPLE RIDGE DRIVE PRAIRIEVILLE, LA 70769 | AFLAC | $17 | — | $17 | 0.49% |
| DAVID MARKS3 | 3011 CANEWOOD LANE BATON ROUGE, LA 70810 | AFLAC | $15 | — | $15 | 0.43% |
| KAREN LYNN GRACZYK3 Filed as: KAREN GRACZYK | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $11 | — | $11 | 0.32% |
| ROCKY B CUNNINGHAM JR3 Filed as: ROCKY CUNNINGHAM JR | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $10 | — | $10 | 0.29% |
| ROGER JONES II3 | 12902 WICKERHILL FALLS COURT HUMBLE, TX 77346 | AFLAC | $8 | — | $8 | 0.23% |
| MICHAEL SCOTT ENOS3 Filed as: MICHAEL ENOS | 1602 RUELLE DE GRACE DRIVE BATON ROUGE, LA 70810 | AFLAC | $8 | — | $8 | 0.23% |
| EDWARD L MARTINA III3 Filed as: EDWARD MARTINA III | 100 GENNA LANE YOUNGSVILLE, LA 70592 | AFLAC | $7 | — | $7 | 0.20% |
| RONNY HUCKABEE3 | 14403 WHISPERING VALLEY DRIVE CYPRESS, TX 77429 | AFLAC | $3 | — | $3 | 0.09% |
| JEFF MUSGROVE3 | 31300 STONEBRIDGE PARKWAY WALLER, TX 77484 | AFLAC | $2 | — | $2 | 0.06% |
| ERIN K GIUSTI3 Filed as: ERIN GIUSTI | 4828 FOLSE DRIVE METAIRIE, LA 70006 | AFLAC | $1 | — | $1 | 0.03% |
| ERROL WILKEN3 | 5204 CRAIG AVENUE KENNER, LA 70065 | AFLAC | $1 | — | $1 | 0.03% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $1 | — | $1 | 0.03% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $1 | — | $1 | 0.03% |
| BYRON KEITH BURRELL3 Filed as: BYRON BURRELL | 364 ARKAVALLEY ROAD GREENBRIER, AR 72058 | AFLAC | $1 | — | $1 | 0.03% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 111 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $64K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 101 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $39K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.