Form 5500 · Employee benefit plan · NEW ORLEANS, LA
INSPIRENOLA CHARTER SCHOOLS
The filing calls this plan INSPIRENOLA CHARTER SCHOOLS WELFARE PLAN.
INSPIRENOLA CHARTER SCHOOLS of NEW ORLEANS, LA is a 664-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is NFP CORPORATE SERVICES LA, INC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF LOUISIANA and 3 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-0675150 · plan 502 · plan year 2025, filed Feb 25, 2026
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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: death benefits.
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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF LOUISIANA, covers 714 people.
Reported premium across the insured contracts is $7,009,077, with $144,483 in disclosed broker commissions — about 2.1% 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.
NFP CORPORATE SERVICES LA, INC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF LOUISIANA, METROPOLITAN LIFE INSURANCE COMPANY, DEARBORN LIFE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY (DAVIS VISION). BLUE CROSS AND BLUE SHIELD OF LOUISIANA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LOUISIANA | Health | 714 | Sep 1, 2025 | $6,419,583 | $128,392 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 924 | Sep 1, 2025 | $302,951 | $8,471 |
| DEARBORN LIFE INSURANCE COMPANY | Life, Disability | 562 | Sep 1, 2025 | $249,864 | $7,620 |
| METROPOLITAN LIFE INSURANCE COMPANY (DAVIS VISION) | Vision | 811 | Sep 1, 2025 | $36,679 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78K40ERC. For the contract year on this filing, the carrier reported $6,419,583 in premium earned and $5,728,030 in claims incurred. Dividing one by the other gives 89%.
- BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78K40ERC reported $892,322 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.
How this plan compares
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Renewal calendar
43 other employer plans in Louisiana are September 1 renewals (policy year ends August).
Their policy years end in August, like this plan’s, so most renew September 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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