| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $72K | $39K | $111K | 5.40% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| 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 | 2.99% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.85% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.70% |
| 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 | 6.96% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.94% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.82% |
| 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 | 5.95% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.57% |
| ASSUREDPARTNERS3 Filed as: JAMES MALLIA DWIGHT ANDRUS INSURANC | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | CRESCENT VISION POLICY | $4K | — | $4K | 15.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST. LOUIS, MO 63126 | CRESCENT VISION POLICY | — | $1K | $1K | 5.00% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE SUITE 203 COVINGTON, LA 70433 | CRESCENT VISION POLICY | — | $1K | $1K | 5.00% |
| 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% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KIMBERLY BOURQUE SMITH3 Filed as: KIMBERLY BOURIQUE SMITH | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.12% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 7.84% |
| 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 | $718 | — | $718 | 6.09% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $722 | — | $722 | 10.00% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER ROAD CARENCRO, LA 70520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $499 | — | $499 | 8.37% |
| TYRA ANN MEEHAN3 Filed as: TYRA MEEHAN | 12018 HAYWARDS ROAD MAURICE, LA 70555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $499 | — | $499 | 8.37% |
| 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 | $346 | — | $346 | 5.80% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE | $909 | $342 | $1K | 21.28% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE | $847 | $44 | $891 | 15.15% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $547 | $25 | $572 | 9.73% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE | $339 | $80 | $419 | 7.13% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $191 | — | $191 | 3.25% |
| REBECA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE | $123 | $5 | $128 | 2.18% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE | $71 | $4 | $75 | 1.28% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE | $696 | $262 | $958 | 19.74% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $416 | $19 | $435 | 8.97% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE | $413 | $21 | $434 | 8.94% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE | $312 | $16 | $328 | 6.76% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE | $260 | $61 | $321 | 6.62% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $146 | — | $146 | 3.01% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, ME 70124 | COLONIAL LIFE | $98 | $4 | $102 | 2.10% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE | $386 | $145 | $531 | 20.39% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MASISONVILLE, KY 70447 | COLONIAL LIFE | $248 | $13 | $261 | 10.02% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $236 | $11 | $247 | 9.49% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70642 | COLONIAL LIFE | $144 | $34 | $178 | 6.84% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE | $139 | $7 | $146 | 5.61% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $81 | — | $81 | 3.11% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE | $52 | $2 | $54 | 2.07% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE | $11 | $4 | $15 | 20.00% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE | $13 | — | $13 | 17.33% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $6 | — | $6 | 8.00% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE | $4 | $1 | $5 | 6.67% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE | $2 | — | $2 | 2.67% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE | $2 | — | $2 | 2.67% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 213 | $2.1M |
| Dental(4 contracts) | DELTA DENTAL INSURANCE COMPANY | 116 | $123K |
| Vision | CRESCENT VISION POLICY | 175 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $26K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 213 | $2.1M |
| Other(11 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 204 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.