Form 5500 · Employee benefit plan · HAMMOND, LA
FIRST GUARANTY BANK
The filing calls this plan FIRST GUARANTY BANK EMPLOYEE BENEFITS PLAN.
FIRST GUARANTY BANK of HAMMOND, LA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CENTURION INSURANCE SERVICES, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF LOUISIANA and 1 other carrier. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 72-0201420 · plan 504 · plan year 2025, filed Dec 12, 2025
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43 other employer plans in Louisiana have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF LOUISIANA, covers 265 people.
Reported premium across the insured contracts is $4,409,559, with $144,607 in disclosed broker commissions — about 3.3% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
CENTURION INSURANCE SERVICES, LLC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS AND BLUE SHIELD OF LOUISIANA and UNITED OF OMAHA LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LOUISIANA | Health | 265 | Sep 1, 2025 | $4,059,986 | $121,800 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 207 | Sep 1, 2025 | $63,666 | $9,550 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 321 | Sep 1, 2025 | $45,929 | $4,296 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 350 | Sep 1, 2025 | $45,521 | $3,776 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental | 277 | Sep 1, 2025 | $163,054 | $3,261 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Vision | 266 | Sep 1, 2025 | $31,403 | $1,924 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78W54ERC. For the contract year on this filing, the carrier reported $4,059,986 in premium earned and $3,600,721 in claims incurred. Dividing one by the other gives 89%.
- BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78W54ERC reported $645,538 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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