| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 19.55% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39201 | MERITAIN HEALTH | $19K | — | $19K | 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 | $33K | — | $33K | 19.65% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | GUARDIAN | $33K | $5K | $39K | 23.23% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 19.75% |
| OPTIBEN LLC3 | 377 HWY 21, STE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $26K | — | $26K | 27.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 DOVER BLVD. SUITE 100 LAFAYETTE, LA 70503 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| 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 | — | $1K | $1K | 2.76% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HWY 21 STE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 19.70% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MERITAIN HEALTH | 458 | $190K |
| Vision | AMERITAS LIFE INSURANCE CORP | 930 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $122K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $169K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $193K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 285 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.