| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMEORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMEORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 43.37% |
| HEATHER M HEATON3 Filed as: HEATHER HEATON | 3203 NAPOLEON AVENUE NEW ORLEANS, LA 70125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 1.68% |
| SHAWN M VINJU3 Filed as: SHAWN VINJU | 1612 SEVERN AVENUE METAIRIE, LA 70001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 1.57% |
| LISA LAIRD3 Filed as: LISA CASTILLO-LAIRD | 1926 FORDHAM PLACE GRETNA, LA 70056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 1.57% |
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 | 980 | 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) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 444 | $98K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 444 | $98K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $88K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 136 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 713 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
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.