| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN LAPEYRE INSURANCE SERVICE3 | 1051 W TUNNEL BLVD HOUMA, LA 70360 | MERITAIN HEALTH | $5K | — | $5K | 8.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST LOUIS, LA 70360 | MERITAIN HEALTH | — | $4K | $4K | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $1K | $1K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALFORD, STAPLES, LAPEYRE & ROBICHAU EIN 04-3657925 BROKER | Insurance agents and brokers Service code 22 | 1217 MUSEUM DR HOUMA, LA 70360 | $51K |
| CHRISTIAN LAPEYRE INSURANCE SERVICE EIN 72-1421012 BROKER | Insurance agents and brokers Service code 22 | 1051 W TUNNEL BLVD HOUMA, LA 70360 | $24K |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 294 | $959K |
| Dental | MERITAIN HEALTH | 113 | $62K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $79K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $79K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 294 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.