| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | POBOX 60970 LAFAYETTE, LA 70596 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $81K | $46K | $127K | 4.69% |
| ASSUREDPARTNERS Filed as: DWIGHT ANDRUS INSURANCE AGY | 500 DOVER BLVD LAFAYETTE, LA 70503 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $26K | $3K | $29K | 11.26% |
| ASSUREDPARTNERS Filed as: DWIGHT ANDRUS INSURANCE AGENCY | 500 DOVER BLVD STE 110 LAFAYETTE, LA 70535 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 12.81% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVE S BIRMINGHAM, AL 35233 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.02% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 930 | $2.7M |
| Dental | GUARDIAN LIFE INSURANCE CO OF AMERICA | 295 | $259K |
| Vision | GUARDIAN LIFE INSURANCE CO OF AMERICA | 295 | $259K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO OF AMERICA | 304 | $423K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO OF AMERICA | 295 | $259K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO OF AMERICA | 295 | $259K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 930 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.