| 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 | $39K | $15K | $54K | 4.87% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3K | $4K | $6K | 13.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3861 AMBASSADOR CAFFERY 550 LAFAYETTE, LA 70503 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4K | $928 | $5K | 9.98% |
| LULA D HOTARD3 | 184 SAINT CALAIS PL MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | — | $1K | 2.40% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $696 | $337 | $1K | 2.12% |
| JOEY MIGUES Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $591 | $182 | $773 | 1.59% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $682 | — | $682 | 1.40% |
| SCOTT J CHAMBERS3 | 609 EMMELINE ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $367 | $116 | $483 | 0.99% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES, INC. | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $223 | — | $223 | 0.46% |
| REBECCA N SONGY3 | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $60 | $42 | $102 | 0.21% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $88 | — | $88 | 0.18% |
| BETTY ROMERO3 | 100 LOREN ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $19 | — | $19 | 0.04% |
| MCKAY STRATEGIC BENEFITS LLC3 Filed as: MCKAY STRATEGIC BENEFITS, LLC | 119 BRIARMEADOW DRIVE LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $12 | — | $12 | 0.02% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC. | 500 DOVER BLVD LAFAYETTE, LA 70503 | EQUITABLE FINANCIAL LIFE INSURANCE | $6K | — | $6K | 15.84% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 137 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 145 | $84K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 145 | $35K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 145 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.