| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR GROUP BENEFITS LLC3 Filed as: GILSBAR GROUP BENEFITS, L.L.C. | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $49K | $17K | $66K | 4.05% |
| GILSBAR, LLC3 Filed as: GILSBAR LLC | P. O. BOX 998 COVINGTON, LA 70434 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.85% |
| GILSBAR GROUP BENEFITS LLC3 Filed as: GILSBAR GROUP BENEFITS, LLC | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.26% |
| GILSBAR, LLC3 Filed as: GILSBAR LLC | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GILSBAR, LLC3 Filed as: GILSBAR LLC | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GILSBAR, LLC3 Filed as: GILSBAR LLC | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 395 | $1.6M |
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 196 | $125K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 196 | $125K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $77K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 395 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.