| 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 | — | $886K | $886K | 17.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY STREET FI6 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $251K | $21K | $272K | 21.68% |
| WILLIS TOWERS WATSON US LLC3 | 500 NORTH AKARD DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $19K | — | $19K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY STREET FI6 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | $5K | $62K | 21.67% |
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE MS-163 RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $33K | $33K | 13.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $107 | $0 | $107 | 1.75% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 1.42% |
| 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 | $737K |
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 | 2,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 272 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,427 | $5.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,427 | $5.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,180 | $297K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,738 | $1.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,107 | $287K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,427 | $5.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,226 | $934K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 444 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,738 | — |
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.