| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $83K | $45K | $128K | 3.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $35K | — | $35K | 10.26% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | — | $50K | 20.22% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 20.00% |
| OPTIBEN LLC3 | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $57K | — | $57K | 36.67% |
| ISELA B PERLSTONE3 | 221 WEST PARKLAND DR BATON ROUGE, LA 70806 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.18% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.03% |
| STEPHAN SCEROLER3 Filed as: STEPHAN A SCEROLER | OPTIBEN LLC 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $382 | — | $382 | 0.25% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 19.97% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
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 | 637 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 1,045 | $4.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 634 | $340K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 634 | $340K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 301 | $292K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $433K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $185K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 1,045 | $4.1M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 301 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.