| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY, LLC | 2200 TOWER DR MONROE, LA 71201 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $41K | $15K | $56K | 4.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $39K | $39K | 19.74% |
| FORTH INSURANCE, LLC3 | PO BOX 2110 MONROE, LA 712072110 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.27% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | AFLAC | $11K | $2K | $13K | 12.79% |
| LEILANI THERIOT3 | 208 CASCADE PALM CT YOUNGSVILLE, LA 70592 | AFLAC | $6K | $1K | $7K | 7.21% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | AFLAC | $5K | $515 | $6K | 5.84% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $3K | $515 | $4K | 3.68% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $699 | $158 | $857 | 0.87% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $158 | $31 | $189 | 0.19% |
| JEREMY CONGO3 | 20315 PALOMAR POINTE DR CYPRESS, TX 77433 | AFLAC | $27 | $0 | $27 | 0.03% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 321 | $195K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 321 | $195K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 321 | $195K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 321 | $195K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 321 | $195K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 261 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 321 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.