| 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 | — | $583K | $583K | 16.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 71120 BOSSIER CITY, LA 711711120 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $286K | $6K | $292K | 20.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 5555 SAN FELIPE SUITE 1500 HOUSTON, TX 77056 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 1.12% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 71120 BOSSIER CITY, LA 711711120 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $64K | $1K | $65K | 20.35% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE MS-163 RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $36K | $36K | 12.05% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 71120 BOSSIER CITY, LA 711711120 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.01% |
| 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 | $746K |
| 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 | 1,479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 216 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,572 | $3.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,572 | $3.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,327 | $327K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,338 | $1.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,261 | $318K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,572 | $3.5M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,367 | $1.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 402 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,572 | — |
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.