| 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. | $54K | $6K | $61K | 3.91% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 234661007 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $17K | — | $17K | 1.07% |
| 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 | $26K | $7K | $32K | 18.98% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.66% |
| BENEFIT ANALYST LLC3 | 4736 WEST NAPOLEON AVE SUITE 3 METAIRIE, LA 70001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.75% |
| JOSEPH ANTHONY FELDER3 Filed as: JOSEPH FRANCIS DEYNOODT | 702 RIVER OAKS DR COVINGTON, LA 70433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 2.58% |
| ROBERT G ANGERS3 Filed as: ROBERT LOUIS CRIST | P. O. BOX 93958 LAFAYETTE, LA 70509 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 1.89% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT GROUP LLC | 389 HWY 21 STE 401 MADISONVILLE, LA 70447 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.89% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 4736 WEST NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 5.02% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 147 | $1.6M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 147 | $1.6M |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 147 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $171K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $171K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $171K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 147 | $1.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.