| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P. O. BOX 1680 MORGAN CITY, LA 70380 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $77K | $11K | $88K | 3.34% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P. O. BOX 1680 MORGAN CITY, LA 70380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 17.62% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P. O. BOX 1680 MORGAN CITY, LA 70381 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 8.34% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | P. O. BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 10.87% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $950 | $3K | 4.22% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $535 | $2K | 3.02% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $173 | $2K | 1.96% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $338 | $1K | 1.92% |
| JODIE C MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | — | $520 | 0.67% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | $83 | $477 | 0.61% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P. O. BOX 1680 MORGAN CITY, LA 70380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.44% |
| PAUL'S AGENCY LLC3 | P. O. BOX 1680 MORGAN CITY, LA 70380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $844 | $6K | 17.37% |
| PAUL'S AGENCY LLC3 | P. O. BOX 1680 MORGAN CITHY, LA 70380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $343 | $3K | 11.38% |
| BLAKE CHARLES ADAMS3 | 200 CREEKWOOD DRIVE LAFAYETTE, LA 70503 | AFLAC | $28 | — | $28 | 3.74% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $14 | — | $14 | 1.87% |
| BLAZE FREMIN3 | P. O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $2 | — | $2 | 0.27% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DRIVE ST. MARTINVILLE, LA 70582 | AFLAC | $1 | — | $1 | 0.13% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $1 | — | $1 | 0.13% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 329 | $2.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 261 | $129K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $193K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $77K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 329 | $2.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 329 | $2.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
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.