| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | P.O. BOX 60970 LAFAYETTE, LA 70596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | — | $59K | 13.20% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 9.20% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | — | $40K | 8.98% |
| FRANCIS B. CLEMENTS3 | 17501 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 2.27% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | 500 DOVER BLVD., STE. 110 LAFAYETTE, LA 70503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 5.40% |
| DONALD R MASSAD, APC3 Filed as: DONALD R. MASSAD, APC | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 4.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA EIN 23-7384555 CONTRACT | Claims processing Service code 12 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | $519K |
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing Service code 12 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | $121K |
| CXC SOLUTIONS CONTRACT | Consulting (general) Service code 16 | 14200 MIDWAY ROAD, SUITE 106 DALLAS, TX 75244 | $10K |
| FORESTER BENEFITS MANAGEMENT, LLC CONTRACT | Insurance agents and brokers Service code 22 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | $6K |
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 | 703 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LA | 703 | $789K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 797 | $417K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 797 | $417K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 516 | $446K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 516 | $446K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 516 | $446K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LA | 703 | $789K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LA | 703 | $789K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
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.