| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $41 | $34K | 12.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27 | $27 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN METAIRIE, LA 70005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 5.59% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADIOSNVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $236 | $834 | 3.79% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $550 | $247 | $797 | 3.62% |
| MOORE, BRITTANY3 Filed as: MOORE ADVISORY GROUP LLC AND AGENTS | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $631 | $8 | $639 | 2.90% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC. | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $423 | $115 | $538 | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 1298 OPELOUSAS, LA 70571 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $16 | $491 | 2.23% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $306 | $469 | 2.13% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $267K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $267K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $267K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $267K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $267K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.