| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | — | BLUE CROSS AND BLUE SHILED OF LOUISIANA | $65K | $32K | $97K | 5.22% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.99% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.82% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.59% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.81% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.31% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.60% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.40% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGNT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.69% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.19% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | MERITAIN HEALTH | $3K | — | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KIMBERLY BOURQUE SMITH3 Filed as: KIMBERLY BOURIQUE SMITH | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.71% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $663 | — | $663 | 9.29% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $517 | — | $517 | 7.24% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $417 | — | $417 | 5.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MGMT GRP LLC | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $408 | — | $408 | 5.72% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $498 | — | $498 | 10.00% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $662 | — | $662 | 24.42% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $649 | — | $649 | 23.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FREMIN INS & RISK MANAGEMENT GROUP | 140 RUE BEAUREGARD SUITE C LAFAYETTE, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $407 | — | $407 | 15.01% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHILED OF LOUISIANA | 164 | $1.9M |
| Dental(5 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 103 | $145K |
| Vision | MERITAIN HEALTH | 142 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $23K |
| Prescription drug | BLUE CROSS AND BLUE SHILED OF LOUISIANA | 164 | $1.9M |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 168 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.