| 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 | $54K | $8K | $62K | 2.30% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST STE 1100 BOSTON, MA 021085003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC. | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | P. O. BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 16.95% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 8.83% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE CT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 7.08% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DRIVE HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $552 | $2K | 2.81% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $352 | $1K | 2.17% |
| JODIE C MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $37 | $410 | 0.64% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $91 | $254 | 0.39% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | P. O. BOX 60970 LAFAYETTE, LA 705960970 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INSURANCE, INC. | P. O. BOX 60970DRIVE 250 LAFAYETTE, LA 705950970 | 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 | $3K | — | $3K | 15.00% |
| BLAKE CHARLES ADAMS3 | 200 CREEKWOOD DRIVE LAFAYETTE, LA 70503 | AFLAC | $21 | — | $21 | 3.65% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $11 | — | $11 | 1.91% |
| BLAZE FREMIN3 | P. O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $1 | — | $1 | 0.17% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DRIVE ST. MARTINVILLE, LA 70582 | AFLAC | $1 | — | $1 | 0.17% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $1 | — | $1 | 0.17% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 184 | $2.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $115K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $115K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $103K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 184 | $2.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 184 | $2.7M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.