| 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 | $44K | $8K | $52K | 2.37% |
| PAUL'S AGENCY LLC3 | P. O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.07% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P. O. BOX 1680 MORGAN CITY, LA 70381 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.15% |
| PAUL'S AGENCY LLC3 | P O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.08% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGENCY INC | P. O. BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $337 | $2K | 7.51% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $965 | $328 | $1K | 3.93% |
| SCOTT J CHAMBERS3 | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $728 | $152 | $880 | 2.68% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $64 | $465 | 1.41% |
| JODIE C MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $2 | $337 | 1.02% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.85% |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $11 | $104 | 0.32% |
| REBECCA N SONGY3 Filed as: REBECCA SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $12 | $83 | 0.25% |
| PAUL'S AGENCY LLC3 | P. O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.09% |
| PAUL'S AGENCY LLC3 | P. O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.09% |
| 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. MARTINVILLE, LA 70582 | AFLAC | $1 | — | $1 | 0.14% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL 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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 135 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 154 | $65K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 154 | $65K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 135 | $2.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 135 | $2.2M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 143 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.