| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | $51K | $0 | $51K | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | -$539 | $8K | $7K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 14.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85K | $0 | $85K | 25.38% |
| HEATHER M HEATON3 Filed as: HEATHER M. HEATON | 1837 1/2 PENISTAN STREET NEW ORLEANS, LA 70115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | $0 | $481 | 0.14% |
| LISA LAIRD3 | 1926 FORDHAM PLACE GRETNA, LA 70056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.14% |
| SHAWN M VINJU3 Filed as: SHAWN M. VINJU | 3500 CAUSEWAY BOULEVARD METAIRIE, LA 70001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2580 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.02% |
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 | 3,943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,861 | $615K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,861 | $615K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,879 | $542K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,879 | $542K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,879 | $878K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,879 | $878K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,879 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.