| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | P. O. BOX 60970 LAFAYETTE, LA 705960970 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $45K | $2K | $47K | 3.31% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BLVD LAFAYETTE, LA 70503 | GUARDIAN | $12K | $2K | $14K | 13.50% |
| JOHN P. CASWELL3 | 8485 BLUEBONNET BLVD BATON ROUGE, LA 70810 | GUARDIAN | $38 | — | $38 | 0.04% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC. | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 14.95% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | P. O. BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $8K | $21K | 45.48% |
| JOEY MIGUES3 | 306 W MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | 14.56% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE CT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 12.57% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DRIVE HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $809 | $2K | 4.95% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $458 | $2K | 3.84% |
| JODIE C MIGUES3 | 306 W MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $60 | $1K | 2.50% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE, INC. | P. O. BOX 60970 LAFAYETTE, LA 705950970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.49% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BLAKE CHARLES ADAMS3 | 200 CREEKWOOD DRIVE LAFAYETTE, LA 70503 | AFLAC | $25 | — | $25 | 3.62% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $13 | — | $13 | 1.88% |
| BLAZE FREMIN3 | P. O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $2 | — | $2 | 0.29% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DRIVE ST. MARTINVILL, LA 70582 | AFLAC | $2 | — | $2 | 0.29% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL E BOSSIER CITY, LA 71111 | AFLAC | $1 | — | $1 | 0.14% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 179 | $1.4M |
| Dental | GUARDIAN | 158 | $103K |
| Vision | GUARDIAN | 158 | $103K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 179 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 179 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.