| 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 | $51K | $39K | $90K | 6.13% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | 1356 W TUNNEL BLVD HOUMA, LA 70360 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.74% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 21.93% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | 315 S. HOLLYWOOD RD. HOUMA, LA 70360 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 20.00% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INS. | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.16% |
| BRIAN PATUREAU LLC3 Filed as: BRIAN PATUREAU, LLC | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $772 | — | $772 | 2.59% |
| KRISTI N. HEBERT3 | 588 B CORPORATE DR. HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 0.90% |
| JEFF PATUREAU3 | 112 KIMBLE ST, APARTMENT B BELLE CHASE, LA 70037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 0.79% |
| BRYAN E PULLARO3 | 6218 W MAIN ST. HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| MICHAEL TROY TRAHAN SR.3 | 12630 20TH ST. E PARRISH, FL 34219 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LEGACY COASTAL INSURANCE, LLC3 | 854 GRAND CAILOU RD. HOUMA, LA 70363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RONALD C CAMET3 Filed as: RONALD C. CAMET | 3525 N CAUSEWAY BLVD. SUITE 617 METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 | PO BOX 5041 HOUMA, LA 70360 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.05% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO. | 5525 REITZ AVE. BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $730 | $730 | 5.00% |
| SOUTHERN NATIONAL LIFE INSURANCE CO3 | 5525 REITZ AVE. BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $730 | $730 | 5.00% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 337 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 209 | $91K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 209 | $91K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 173 | $44K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 337 | $1.5M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.