| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $25K | $756 | $26K | 1.85% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 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% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $5K | 13.81% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 13.44% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 11.25% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $630 | $2K | 5.43% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | — | $846 | 2.23% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $497 | $130 | $627 | 1.65% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $104 | $393 | 1.03% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.52% |
| 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 ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $572 | $3K | 13.37% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 11.63% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $454 | $2K | 7.58% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $379 | $1K | 6.95% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $336 | $1K | 5.35% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 2.23% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $77 | $374 | 1.81% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $357 | $2K | 13.49% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | $747 | $2K | 12.10% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $753 | $308 | $1K | 8.32% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $185 | $699 | 5.48% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $209 | $687 | 5.39% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 2.24% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $45 | $219 | 1.72% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $842 | — | $842 | 10.00% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $20 | $69 | 16.71% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $12 | $58 | 14.04% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $21 | $44 | 10.65% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $7 | $23 | 5.57% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 2.18% |
| JODIE C MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 2.18% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | DELTA DENTAL INSURANCE COMPANY | 87 | $137K |
| Vision | CRESCENT VISION POLICY | 113 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 199 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 199 | $1.4M |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.