| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROGUE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $151K | — | $151K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROGUE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 201 WILDWOOD DRIVE HAMMOND, LA 70401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 10.51% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $589 | $3K | 6.57% |
| JS YOUNG AND ASSOCIATES3 Filed as: J.S. YOUNG AND ASSOCIATES | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $572 | $3K | 5.27% |
| LOUISIANA COMPANIES3 Filed as: LOUISIANA COMPANIES, INC. | PO BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| GREG H TOWN3 Filed as: GREG H. TOWN | 4664 JAMESTOWN AVENUE, SUITE 240 BATON ROUGE, LA 70808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| ROXY KUGLER3 | 1961 SOUTH WOODCREST STREET DENHAM SPRINGS, LA 70726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.23% |
| MJ INSURANCE3 Filed as: DANA FASSKE AND VARIOUS AGENTS | 31 HILLCREST ROAD NIANTIC, CT 06357 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $9 | $90 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 5087 THIBODAUX, LA 70302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $96 | $3K | 19.61% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 475 | $2.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $162K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $147K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $147K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 475 | $2.8M |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.