| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61187 VIRGINIA BEACH, VA 234661187 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $44K | $4K | $49K | 3.35% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 234661007 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $13K | — | $13K | 0.92% |
| BENEFIT ANALYST LLC3 | 4736 W NAPOLEON AVE FL 3 METAIRIE, LA 700012373 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 15.74% |
| USI INSURANCE SERVICES LLC3 | 3850 N. CAUSEWAY BLVD. SUITE 1050 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 10.34% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 4736 W NAPOLEON AVE FL 3 METAIRIE, LA 70001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.50% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 116 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 175 | $90K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 175 | $90K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 228 | $168K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 228 | $168K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 228 | $168K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 116 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 228 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.