| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INC AGCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| DWIGHT W ANDRUS INS AGCY INC3 | PO BOX 60970 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $832 | — | $832 | 3.58% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $263 | $2K | 10.58% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE MADISONVILLE, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $704 | $376 | $1K | 4.84% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $159 | $620 | 2.78% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 1.84% |
| JOEY MIGUES3 Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $70 | $345 | 1.55% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $80 | $308 | 1.38% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $37 | $272 | 1.22% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $33 | $164 | 0.74% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $28 | $152 | 0.68% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | CRESCENT VISION POLICY | $3K | — | $3K | 15.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY SUITE 200 ST. LOUIS, MO 63141 | 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 | $206 | $2K | 12.12% |
| JOEY MIGUES3 | 103 BALUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $262 | $887 | 4.46% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 2.18% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $89 | $423 | 2.13% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $46 | $291 | 1.46% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRES CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $52 | $270 | 1.36% |
| JOEY MIGUES3 Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $42 | $203 | 1.02% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $36 | $139 | 0.70% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $21 | $112 | 0.56% |
| DWIGHT W ANDRUS INS AGCY INC3 | PO BOX 60970 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $511 | — | $511 | 3.61% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $691 | — | $691 | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $87 | $349 | 14.35% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $74 | $285 | 11.72% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $97 | $200 | 8.22% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $34 | $108 | 4.44% |
| JOEY MIGUES3 Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $17 | $81 | 3.33% |
| JODIE C MIGUES3 Filed as: JODIE THERESA MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.56% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $12 | $33 | 1.36% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $5 | $32 | 1.32% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $19K | $1K | $21K | — |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL INSURANCE COMPANY | 89 | $106K |
| Vision | CRESCENT VISION POLICY | 129 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $23K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 153 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 153 | $0 |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.