| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY STE 1050 METAIRIE, LA 700028116 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $57K | $7K | $63K | 3.76% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 234661007 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $21K | — | $21K | 1.27% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 15.82% |
| USI INSURANCE SERVICES LLC4 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 4.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC SOUTHWES | P. O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OAMAHA LIFE INSURANCE COMPANY | $26K | $7K | $32K | 18.98% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OAMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.66% |
| VARIUS AGENTS3 | 4736 WEST NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 5.83% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 190 | $1.7M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 190 | $1.7M |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 190 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 284 | $367K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 284 | $367K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 284 | $367K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 190 | $1.7M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 284 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.