| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF LOUIS | 5525 REITZ AVE BATON ROUGE, LA 708093802 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $760K | — | $760K | 22.80% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 9.95% |
| AON CONSULTING INC4 | P O BOX 905494 CHARLOTTE, NC 282905494 | ZURICH AMERICAN INSURANCE COMPANY | — | $13K | $13K | 2.00% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 14.89% |
| VISION SERVICE PLAN | — | VISION SERVICE PLAN | $27K | — | $27K | 10.12% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.00% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| INSURANCE MANAGEMENT ADMINISTRATORS3 Filed as: INSURANCE MANAGEMENT ADMIN. | 1325 BARKSDALE BLVD, SUITE 300 BOSSIER CITY, LA 71111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 1,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 176 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,287 | $3.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,287 | $3.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,081 | $294K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,631 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,248 | $239K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,287 | $3.3M |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 1,092 | $674K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,631 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,631 | — |
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.