| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $40K | $10K | $51K | 2.51% |
| CLEMENT INS. AGENCY, INC3 | PO BOX 1648 HOUMA, LA 70361 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $0 | $28K | $28K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MEDWEST LIMITED | 55 E. JACKSON BLVD. 14 FLOOR CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 6.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 12.58% |
| DANIEL A MAYET3 | P O BOX 528 RACELAND, LA 70394 | AFLAC | $6K | $501 | $7K | 6.81% |
| SHANNA CANELL3 | 115 PIPING ROCK DRIVE HOUMA, LA 70363 | AFLAC | $1K | — | $1K | 1.45% |
| LON M JUNEAU3 | 115 PIPING ROCK DRIVE HOUMA, LA 70363 | AFLAC | $1K | — | $1K | 1.36% |
| TESSIE P CANTRELLE3 | 1340 WEST TUNNEL BLVD STE 650 HOUMA, LA 70360 | AFLAC | $991 | — | $991 | 1.02% |
| MASON C LEE3 | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $702 | — | $702 | 0.72% |
| KEVIN S BANKSON3 | 1356 A WEST TUNNEL BLVD HOUMA, LA 70360 | AFLAC | $561 | — | $561 | 0.58% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $458 | $93 | $551 | 0.56% |
| DARREN JOSEPH VERDIN3 | 1356 W TUNNEL BLVD STE A HOUMA, LA 70360 | AFLAC | $454 | — | $454 | 0.47% |
| TERESA REED3 | 1357 PINEY RD CROSBY, MS 39633 | AFLAC | $354 | $94 | $448 | 0.46% |
| DARREN JOSEPH VERDIN3 | 1340 W TUNNEL BLVD STE 650 HOUMA, LA 70360 | AFLAC | $395 | — | $395 | 0.40% |
| LAWRENCE BONVILLAIN III3 | 15422 W MAIN ST CUT OFF, LA 70345 | AFLAC | $336 | — | $336 | 0.34% |
| MISTY DETIVEAUX3 Filed as: MISTY LYNN DETIVEAUX | 735 BAYOU DULARGE RD HOUMA, LA 70363 | AFLAC | $233 | $100 | $333 | 0.34% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $247 | — | $247 | 0.25% |
| IRBY JOSEPH CHATELAIN III3 | 310 BLACK JACK OAK DR. MADISONVILLE, LA 70447 | AFLAC | $199 | — | $199 | 0.20% |
| TRAVIS PATRICK SERIGNY3 | 2815 CHECKER DRIVE CEDAR PARK, TX 78613 | AFLAC | $184 | — | $184 | 0.19% |
| CATHY BABIN CARLOS3 | 170 JADEN LANE HOUMA, LA 70360 | AFLAC | $159 | — | $159 | 0.16% |
| JOHN J BASCLE3 | 1363 DOCTOR BEATROUS RD THERIOT, LA 70397 | AFLAC | $134 | — | $134 | 0.14% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $120 | — | $120 | 0.12% |
| JACOB BURTON BROUILLETTE3 | 452 BELLE POINTE DRIVE MADISONVILLE, LA 70447 | AFLAC | $87 | — | $87 | 0.09% |
| DAVID R KREY SR3 | 4725 SENAC DR METAIRIE, LA 70003 | AFLAC | $72 | — | $72 | 0.07% |
| BURTON MARMANDE3 Filed as: BURTON B MARMANDE | 120 SAINT MICHEL PLANTATION CT HOUMA, LA 70363 | AFLAC | $67 | — | $67 | 0.07% |
| JOHN PAUL THOMPSON II3 | 316 OAK SPRINGS DR DEBARY, FL 32713 | AFLAC | $65 | — | $65 | 0.07% |
| ROBERT A BLANKENSHIP3 | 2214 FORELAND DR HOUSTON, TX 77077 | AFLAC | $55 | — | $55 | 0.06% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9545 KATY FREEWAY STE 340 HOUSTON, TX 77024 | AFLAC | $53 | — | $53 | 0.05% |
| MICHAEL DEAN FARROW3 | 113 NORTH MAIN STREET LOCKPORT, LA 70374 | AFLAC | $50 | — | $50 | 0.05% |
| MICHEAL W HART3 | 44 WINDSWEPT DR PORT LAVACA, TX 77979 | AFLAC | $46 | — | $46 | 0.05% |
| KEITH WILLIAM BELLE3 | 113 FLAGG PLACE BLDG 6 STEC LAFAYETTE, LA 70508 | AFLAC | $37 | $7 | $44 | 0.05% |
| JAMAAL RICHARD3 | P O BOX 56821 NEW ORLEANS, LA 70156 | AFLAC | $31 | — | $31 | 0.03% |
| GERALD J BREAUX3 | 716 BARRILLEAUX ST LOCKPORT, LA 70374 | AFLAC | $29 | — | $29 | 0.03% |
| JARED E DAY3 | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $27 | — | $27 | 0.03% |
| WILLIAM M KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $25 | — | $25 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: JOY R LEBLANC ROGERS | 1818 BADT AVE APT 3 THIBODAUX, LA 70301 | AFLAC | $25 | — | $25 | 0.03% |
| VIRGIS A BLANCHARD3 | 615 BAYOU DULARGE ROAD HOUMA, LA 70363 | AFLAC | $25 | — | $25 | 0.03% |
| DENNIS W CAMDEN3 | 225 LAKE ESTATES TRAIL LONGVIEW, TX 75605 | AFLAC | $18 | — | $18 | 0.02% |
| ANN DUTHU SHANK3 | 36 ADIN DRIVE MANDEVILLE, LA 70471 | AFLAC | $17 | — | $17 | 0.02% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $11 | — | $11 | 0.01% |
| MICHAEL J RISTER3 | 23 SCENIC MILL PLACE THE WOODLANDS, TX 77382 | AFLAC | $9 | — | $9 | 0.01% |
| GREATER BENEFITS LLC3 | PO BOX 55522 METAIRIE, LA 70055 | AFLAC | $6 | — | $6 | 0.01% |
| EDWARD L MARTINA III3 | 10800 FINANCIAL CENTRE PKWY STE 150 LITTLE ROCK, AR 72211 | AFLAC | $3 | — | $3 | 0.00% |
| KYMBERLY G KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $3 | — | $3 | 0.00% |
| STEVEN J PERRY3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $2 | — | $2 | 0.00% |
| EDWARD L MARTINA JR3 | 4134 FLORIDA AVE STE 100 KENNER, LA 70065 | AFLAC | $2 | — | $2 | 0.00% |
| J W GRIMES INC3 | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $1 | — | $1 | 0.00% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 344 | $2.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $229K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $131K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $102K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $102K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 344 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
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.