| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | MERITAIN HEALTH | $18K | — | $18K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY SUITE 200 ST. LOUIS, MO 63141 | MERITAIN HEALTH | $14K | — | $14K | 7.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | $9K | — | $9K | 5.00% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 20.85% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 21.50% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | GUARDIAN | $27K | $5K | $32K | 23.93% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 20.76% |
| OPTIBEN LLC3 | 377 HWY 21, STE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 9.72% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $87K | $5K | $92K | — |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 402 | $0 |
| Dental | MERITAIN HEALTH | 437 | $182K |
| Vision | AMERITAS LIFE INSURANCE CORP | 847 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $109K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $141K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 402 | $0 |
| Other(3 contracts, 3 carriers) | GUARDIAN | 293 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.