| 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 | — | $723K | $723K | 20.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 71120 BOSSIER CITY, LA 711711120 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $239K | $30K | $270K | 24.38% |
| AON CONSULTING INC4 Filed as: AON RISK SERVICES SOUTHWEST, INC | 5555 SAN FELIPE, SUITE 1500 HOUSTON, TX 77056 | TOKIO MARINE HCC | $13K | — | $13K | 2.00% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE MS-163 RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $26K | $26K | 9.86% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 71120 BOSSIER CITY, LA 711711120 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $48K | $6K | $55K | 24.41% |
| 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 | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD-SC EIN 57-0287419 INSURANCE PROVIDER/ADM | Insurance services Service code 23 | I-20 EAST AT ALPINE RD COLUMBIA, SC 29219 | $682K |
| INSURANCE MANAGEMENT ADMI EIN 72-0950191 INSURANCE PROVIDER/ADM | Insurance services Service code 23 | 1325 BARKSDALE BLVD STE 300 BOSSIER CITY, LA 71111 | $5K |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 159 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,303 | $3.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,303 | $3.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,083 | $301K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,635 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,050 | $224K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,303 | $3.5M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,115 | $630K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,635 | — |
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.