| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC. | 500 DOVER BLVD LAFAYETTE, LA 70503 | BLUE CROSS BLUE SHIELD | $47K | $23K | $70K | 5.18% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC. | PO BOX 60970 LAFAYETTE, LA 70596 | AMERITAS | $11K | $895 | $11K | 10.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3861 AMBASSADOR CAFFERY 550 LAFAYETTE, LA 70503 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5K | $931 | $6K | 10.26% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3K | $3K | $5K | 8.40% |
| JOEY MIGUES Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | $315 | $2K | 2.79% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $829 | $286 | $1K | 1.86% |
| LULA D HOTARD3 | 184 SAINT CALAIS PL MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $860 | — | $860 | 1.44% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $817 | — | $817 | 1.36% |
| SCOTT J CHAMBERS3 | 609 EMMELINE ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $351 | $82 | $433 | 0.72% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES, INC. | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $184 | — | $184 | 0.31% |
| REBECCA N SONGY3 | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $50 | $41 | $91 | 0.15% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $75 | — | $75 | 0.13% |
| BETTY ROMERO3 | 100 LOREN ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $18 | — | $18 | 0.03% |
| MCKAY STRATEGIC BENEFITS LLC3 Filed as: MCKAY STRATEGIC BENEFITS, LLC | 119 BRIARMEADOW DRIVE LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | — | $10 | 0.02% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 7059 JEFFERSON HWY BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE | — | $4K | $4K | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METARIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE | $3K | — | $3K | 7.58% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC. | 500 DOVER BLVD LAFAYETTE, LA 70503 | EQUITABLE FINANCIAL LIFE INSURANCE | $3K | — | $3K | 6.05% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 162 | $1.3M |
| Dental | AMERITAS | 149 | $106K |
| Vision | AMERITAS | 149 | $106K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 172 | $104K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 172 | $44K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 172 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.