| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $57K | $50K | $107K | 6.56% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.71% |
| JAMES MALLIA3 | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | MERITAIN HEALTH | $3K | — | $3K | 15.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | $884 | — | $884 | 5.00% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | MERITAIN HEALTH | $884 | — | $884 | 5.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 116 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 371 | $90K |
| Vision | MERITAIN HEALTH | 101 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $20K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.