| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $62K | $18K | $79K | 4.50% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | 315 S HOLLYWOOD RD. HOUMA, LA 70360 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 21.49% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 20.00% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INS. | 4323 DIVISION ST. SUITE 111 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.62% |
| BRIAN PATUREAU LLC3 Filed as: BRIAN PATUREAU, LLC | 8383 WESTSHORE DR. APT. M181 COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.52% |
| JEFF PATUREAU3 | 2529 BENT TREE BLVD. MARRERO, LA 70072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | — | $405 | 1.00% |
| CLAYTON BABCOCK3 | 5020 UTICA ST. METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.23% |
| LEGACY COASTAL INSURANCE, LLC3 | 854 GRAND CAILOU RD. HOUMA, LA 70363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.13% |
| BRYAN E PULLARO3 | 6218 W MAIN ST. HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| RONALD C CAMET3 | 3525 N CAUSEWAY BLVD. SUITE 617 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| EDWARD L MARTINA JR3 Filed as: EDWARD J CORCORAN JR. | 3701 WILLIAMS BLVD. SUITE 240 KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| MICHAEL TROY TRAHAN SR.3 | 12630 20TH ST. E PARRISH, FL 34219 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.77% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 392 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $89K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $20K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 154 | $60K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 116 | $62K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 392 | $1.8M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 0 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.