| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST | INSURANCE AGENCY LLC P O BOX 2456 LAFAYETTE, LA 705022456 | BLUE CROSS AND BLUE SHIELD OF LA | $36K | — | $36K | 3.92% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P O BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 21.89% |
| LANDRY, HARRIS AND CO., INC.3 Filed as: LANDRY,HARRIS AND COMPANY,LLC | P.O. BOX 2456 LAFAYETTE, LA 705022456 | GUARDIAN | $6K | — | $6K | 10.00% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY, INC | P O BOX 2456 LAFAYETTE, LA 705022456 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.89% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & COMPANY, LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 705018922 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST | INSURANCE AGENCY LLC P.O. BOX 2456 LAFAYETTE, LA 705022456 | SOUTHERN NATIONAL LIFE | — | — | $0 | — |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LA | 165 | $927K |
| Dental | GUARDIAN | 131 | $59K |
| Vision | GUARDIAN | 131 | $59K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 168 | $98K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.