| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE INC OF LA3 Filed as: GROUP INSURANCE INC. OF LA | UNKNOWN BATON ROUGE, LA 70816 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $33K | $0 | $33K | 3.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | UNKNOWN METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $3K | $0 | $3K | 0.33% |
| GROUP INSURANCE INC OF LA3 Filed as: GROUP INSURANCE INC. OF LA | UNKNOWN BATON ROUGE, LA 70816 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.22% |
| SOUTHERN NATL MKTG COMPANY3 | UNKNOWN BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LIMITED | UNKNOWN METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 909 POYDRAS STREET NEW ORLEANS, LA 70112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 7.68% |
| SUPERIOR GROUP BENEFITS LLC3 Filed as: SUPERIOR GROUP BENEFITS, LLC | 2004 KENT AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | $542 | $1K | 4.46% |
| GARY MCCARTHY3 | 4521 HASTINGS STREET METAIRIE, LA 70006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 4.02% |
| ROBERT P. BRULET JR3 | 4736 WEST NAPOLEON AVENUE SUITE 300 METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $28 | $310 | 1.18% |
| MOHR BENEFITS LLC3 Filed as: MOHR BENEFITS, LLC | 248 HESPER ANENUE METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $9 | $120 | 0.46% |
| DONOVAN BUS. SLTNS & OTHER AGENTS3 | 605 DECIDUOUS LOOP MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $9 | $71 | 0.27% |
| MARGARET G. WOOTON3 | 4009 HASTINGS STREET METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.22% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 169 | $906K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 169 | $906K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 169 | $906K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 125 | $79K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 125 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 169 | $906K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 169 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.