| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $51K | $2K | $53K | 3.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 WEST NAPOLEON AVENUE METAIRIE, LA 70001 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $51K | — | $51K | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $8K | — | $8K | 0.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY, INC | — | TRUASSURE INSURANCE COMPANY | $24K | — | $24K | 13.14% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | — | TRUASSURE INSURANCE COMPANY | $5K | — | $5K | 2.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | TRUASSURE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | — | COMBINED INSURANCE | $39K | — | $39K | 32.19% |
| AGM BENEFITS3 Filed as: AGM BENEFITS SOLUTIONS LLC | — | COMBINED INSURANCE | $39K | — | $39K | 32.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY | — | COMBINED INSURANCE | $33K | — | $33K | 44.94% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS | — | COMBINED INSURANCE | $33K | — | $33K | 44.94% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 3975 O'NEAL LANE SUITE B BATON ROUGE, LA 70816 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 21.47% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 WEST NAPOLEON AVENUE SUITE 300 METAIRIE, LA 70001 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.81% |
| TIKIA CONSULTING GROUP INC3 | 3525 N CAUSEWAY BLVD STE 815 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 WEST NAPOLEON AVENUE SUITE 300 METAIRIE, LA 70001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 23.85% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $536 | — | $536 | 1.95% |
| BXS INSURANCE INC3 | PO BOX 14207 JACKSON, MA 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35 | $35 | 0.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 WEST NAPOLEON AVENUE SUITE 300 METAIRIE, LA 70001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.94% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $369 | — | $369 | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | — | $161 | 1.54% |
| BXS INSURANCE INC3 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16 | $16 | 0.15% |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 255 | $1.7M |
| Dental | TRUASSURE INSURANCE COMPANY | 479 | $185K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 255 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COMBINED INSURANCE | 155 | $83K |
| Short-term disability | COMBINED INSURANCE | 149 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $28K |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE | 376 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
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.