| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIN K GIUSTI3 Filed as: ERIN GIUSTI | 4828 FOLSE DRIVE METAIRIE, LA 70006 | AMERICAN PUBLIC LIFE INSURANCY COMPANY | $45K | $0 | $45K | 45.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN PUBLIC LIFE INSURANCY COMPANY | $18K | $0 | $18K | 18.68% |
| RIEHM BENEFITS LLC3 | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCY COMPANY | $5K | $0 | $5K | 4.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 818078 CLEVELAND, OH 44181 | COMPANION LIFE | $17K | — | $17K | 18.00% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J. MINEO INSURANCE LLC | 7322 DONALDSON DRIVE GONZALES, LA 70737 | COMPANION LIFE | $3K | $0 | $3K | 3.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.63% |
| ROBYN TIKIA3 | 9725 WARWANA ROAD HOUSTON, TX 77080 | AMFIRST/UVP | $2K | $0 | $2K | 15.86% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST/UVP | $756 | $0 | $756 | 7.42% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 138 | $26K |
| Dental | COMPANION LIFE | 130 | $95K |
| Vision | AMFIRST/UVP | 145 | $10K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCY COMPANY | 70 | $99K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCY COMPANY | 70 | $99K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCY COMPANY | 70 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.