| 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 | $40K | $2K | $42K | 3.72% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | PO BOX 60970 LAFAYETTE, LA 70596 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $19K | $19K | 1.66% |
| DAVISON INSURANCE AGENCY, LLC3 | PO BOX 2110 MONROE, LA 712072110 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 11.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.66% |
| LEILANI THERIOT3 | 208 CASCADE PALM CT YOUNGSVILLE, LA 70592 | AFLAC | $15K | $0 | $15K | 19.05% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | AFLAC | $14K | $0 | $14K | 18.52% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | AFLAC | $8K | $0 | $8K | 9.87% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $5K | $0 | $5K | 6.25% |
| CARLOS D ESPINOSA3 | 17827 PUMPKIN VINE DR HOCKLEY, TX 77447 | AFLAC | $3K | $0 | $3K | 3.67% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $637 | $0 | $637 | 0.83% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $189K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $189K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $189K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $189K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $189K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 252 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 317 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.