| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC3 Filed as: GILSBAR GRPOUP BENEFITS LLC | PO BOX 998 COVINGTON, LA 70434 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 4.49% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3900 N CAUSEWAY BLVD STE 1042 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $4K | $25K | 2.18% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | SYMETRA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.46% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | DBA SALT MARGIN PO BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.15% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 159 | $90K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 159 | $90K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 159 | $90K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $1.2M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 159 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.