| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY STE 1200 METAIRIE, LA 700028114 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $47K | $967 | $48K | 3.45% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 234661007 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $13K | — | $13K | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC SOUTHWE | 102 OLD TOWNE BLVD COURT SUITE 104 HOUMA, LA 70360 | UNITED HEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 30.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC SOUTHWES | P. O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.23% |
| BENEFIT ANALYST LLC3 | 4736 WEST NAPOLEON AVE SUITE 3 METAIRIE, LA 70001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.65% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 4736 WEST NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 3.99% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 196 | $1.4M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 196 | $1.4M |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 196 | $1.4M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $186K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $186K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $186K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 196 | $1.4M |
| Other(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.