| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $17K | $13K | $30K | 5.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | P. O. BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 26.44% |
| SCOTT J CHAMBERS3 | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 14.42% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 9.35% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 201 WILDWOOD DR HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $478 | $2K | 5.74% |
| JODIE C MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| CHARLINE PARKER3 | 63910 TWIN BRIDGES ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $920 | — | $920 | 3.31% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $157 | $636 | 2.29% |
| GENNIVER E MCKEY3 | 4473 TIPTON COVE MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $4 | $278 | 1.00% |
| SHAWN MARIE KING3 | 705 FISHERVILLE RD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.05% |
| J AUSTIN BAKER3 | P. O. BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.05% |
| ROLLENDA LEE MCCOWN3 | P. O. BOX 215 WELSH, LA 70591 | AFLAC | $322 | $46 | $368 | 6.06% |
| MELISSA STEWART3 Filed as: MELISSA VINCENT STEWART | 1616DEERFIELD DRIVE LAKE CHARLES, LA 70611 | AFLAC | $103 | — | $103 | 1.70% |
| THEODORE AUTHEMENT3 | 800 RYAN ST STE 200 LAKE CHARLES, LA 70601 | AFLAC | $69 | $9 | $78 | 1.29% |
| JIMMIE DARRELL ROMERO3 | 174 ATWOOD DRIVE CROWLEY, LA 70526 | AFLAC | $43 | — | $43 | 0.71% |
| DAVID MARKS3 | 4021 WE HECK CT BLDG J BATON ROUGE, LA 70816 | AFLAC | $39 | — | $39 | 0.64% |
| BLAZE J FREMIN3 | P. O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $31 | — | $31 | 0.51% |
| BRYAN J COMEAUX3 | 305 E 3RD STREET CROWLEY, LA 70526 | AFLAC | $28 | — | $28 | 0.46% |
| MICHAEL JOHNSON3 | 151 DAVID LANE LAKE CHARLES, LA 70607 | AFLAC | $27 | — | $27 | 0.44% |
| MICHAEL JOHNSON3 | 2616 ASTER ST LAKE CHARLES, LA 70601 | AFLAC | $17 | $9 | $26 | 0.43% |
| FRANKLIN W STOUTE3 Filed as: FRANKLIN W STOUT | 2388 PEACH BLOOM HWY CHURCH POINT, LA 70525 | AFLAC | $15 | — | $15 | 0.25% |
| MICHAEL SCOTT ENOS3 | 1602 RUELLE DE GRACE DRIVE BATON ROUGE, LA 70810 | AFLAC | $14 | — | $14 | 0.23% |
| CRAIG J IVES3 | P. O. BOX 1268 BREAUX BRIDGE, LA 70517 | AFLAC | $13 | — | $13 | 0.21% |
| MARK R STEWART3 | 1722 DEERFIELD DR LAKE CHARLES, LA 70611 | AFLAC | $13 | — | $13 | 0.21% |
| JOHN D BODKER3 | 11230 WEST AVE STE 3101 SAN ANTONIO, TX 78213 | AFLAC | $11 | — | $11 | 0.18% |
| BRIAN JASON THOMPSON3 | 103 BEAU REPOSE LAFAYETTE, LA 70508 | AFLAC | $10 | — | $10 | 0.16% |
| RICKY BOUDREAUX3 Filed as: RICKY A BOUDREAUX | 207 MASTERS DRIVE BROUSSARD, LA 70518 | AFLAC | $8 | — | $8 | 0.13% |
| GARLAND KYLE3 | 2121 FAIRFIELD AVE STE 160 SHREVEPORT, LA 71104 | AFLAC | $7 | — | $7 | 0.12% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DRIVE ST. MARTINVILLE, LA 70582 | AFLAC | $7 | — | $7 | 0.12% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $7 | — | $7 | 0.12% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $7 | — | $7 | 0.12% |
| RICKY C PISANI3 | P. O. BOX 13757 NEW IBERIA, LA 70562 | AFLAC | $5 | — | $5 | 0.08% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BLVD #116 BATON ROUGE, LA 70810 | AFLAC | $5 | — | $5 | 0.08% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $3 | — | $3 | 0.05% |
| ELLIS G HASSIEN3 | P. O. BOX 1448 SULPHUR, LA 70664 | AFLAC | $2 | — | $2 | 0.03% |
| ERROL B WILKEN3 | 5204 CRAIG AVE KENNER, LA 70065 | AFLAC | $1 | — | $1 | 0.02% |
| LISA SARRADET NEWSOM3 | 104 ARAPAHOE DRIVE LAFAYETTE, LA 70503 | AFLAC | $1 | — | $1 | 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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 84 | $576K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 84 | $576K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 84 | $576K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $34K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $34K |
| Long-term disability | AFLAC | 10 | $6K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 84 | $576K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.