| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | $199K | $199K | 87.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 235 HIGHLANDIA DR. SUITE 200 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 7.74% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS AND FARR AGENCY, INC. | 2200 TOWER DR. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 7.65% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY | 242 GULFWAY DR. HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $877 | $8 | $885 | 1.76% |
| FRENCH INSURANCE GROUP INC3 Filed as: FRENCH INSURANCE GROUP | P.O. BOX 14806 MONROE, LA 71207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | — | $581 | 1.15% |
| ANN LAURA TRICHEL3 | 223 CREEKSTONE DR. WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.98% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR. COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.23% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE RD. PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $3 | $74 | 0.15% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 201 WILDWOOD DR. HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.14% |
| BENEFIT CONSULTING SERVICES LLC3 | 390 PLAZA LOOP BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
| MEGAN ELIZABETH TILL3 | 141 DESIARD ST. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| ELEE TRICHEL3 | P.O. BOX 2447 MONROE, LA 71207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| BENJAMIN AUSTIN3 | 9523 COVE CIRCLE SHREVEPORT, LA 71118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| PATRICIA T WATT3 Filed as: PATRICIA WATT | 6178 RODEO DR. BASTROP, LA 71220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE ST. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| SEHC BENEFITS LLC3 | 242 SAWBRIDGE DR. RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P.O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR. THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MICHAEL BERRY BREWTON3 Filed as: MICHAEL BREWTON | 116 KILLGORE RD. STE. 3 RUSTON, LA 71270 | AFLAC | $327 | — | $327 | 2.43% |
| THOMAS WAYNE FARMER3 Filed as: THOMAS FARMER | 1810 GLENMAR AVE. MONROE, LA 71201 | AFLAC | $289 | — | $289 | 2.14% |
| MITCHEL SHURDEN3 | 1318 AVANT RD. WEST MONROE, LA 71201 | AFLAC | $147 | — | $147 | 1.09% |
| RICHARD RUSSELL HOGAN3 Filed as: RICHARD HOGAN | 263 OSCAR KILPATRICK RD. GIBSLAND, LA 71028 | AFLAC | $104 | — | $104 | 0.77% |
| ANITA ATKINSON3 | P.O. BOX 738 BRANDON, MS 39043 | AFLAC | $91 | — | $91 | 0.67% |
| RICHARD J ATKINSON3 Filed as: RICHARD ATKINSON | P.O. BOX 738 BRANDON, MS 39043 | AFLAC | $81 | — | $81 | 0.60% |
| JAMES VERGENAL3 | 911 DARTEZ DR. NEW IBERIA, LA 70563 | AFLAC | $66 | — | $66 | 0.49% |
| JAMES GREG HOGUE3 Filed as: JAMES HOGUE | P.O. BOX 2301 MONROE, LA 71207 | AFLAC | $62 | — | $62 | 0.46% |
| BLAZE FREMIN3 | P.O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $60 | — | $60 | 0.45% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING, INC. | 7516 BLUEBONNET BLVD #116 BATON ROUGE, LA 70810 | AFLAC | $42 | — | $42 | 0.31% |
| WANDA GATES3 | 201 DOVER DR. LAFAYETTE, LA 70503 | AFLAC | $32 | — | $32 | 0.24% |
| SKYE A VERGENAL3 Filed as: SKYE VERGENAL | 715 MALLARD CV NEW IBERIA, LA 70560 | AFLAC | $30 | — | $30 | 0.22% |
| ANGELA MARIE VERGENAL3 Filed as: ANGELA VERGENAL | 911 DARTEZ DR. NEW IBERIA, LA 70563 | AFLAC | $21 | — | $21 | 0.16% |
| AON CONSULTING INC3 Filed as: C HEWITT INC. | 308 LAKE VILLAGE DR. MADISON, MS 39110 | AFLAC | $21 | — | $21 | 0.16% |
| CARMEN VIDRINE3 | 935 OLD SPANISH TRAIL SCOTT, LA 70583 | AFLAC | $16 | — | $16 | 0.12% |
| FRED SALVO ASSOC PA3 | 141 TOWNSHIP AVE STE 303 RIDGELAND, MS 39157 | AFLAC | $14 | $0 | $14 | 0.10% |
| JENNIFER MARIE MALLEY3 Filed as: JENNIFER MALLEY | 2109 BARRETT AVE. JACKSON, MS 39204 | AFLAC | $14 | — | $14 | 0.10% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PKWY. STE 220 LEWISVILLE, TX 75057 | AFLAC | $13 | — | $13 | 0.10% |
| JOHN D BODKER3 Filed as: JOHN BODKER | 11230 WEST AVE STE 3101 SAN ANTONIO, TX 78213 | AFLAC | $13 | — | $13 | 0.10% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DR. LAFAYETTE, LA 70508 | AFLAC | $12 | — | $12 | 0.09% |
| JOSHUA L CLINE3 Filed as: JOSHUA CLINE | 349 BOTELER RD. FLORENCE, MS 39073 | AFLAC | $12 | — | $12 | 0.09% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $10 | — | $10 | 0.07% |
| TIMOTHY VICE3 | 5118 NORTHSIDE RD. NEW IBERIA, LA 70563 | AFLAC | $8 | — | $8 | 0.06% |
| TERRY JAMES LAPORTE3 Filed as: TERRY LAPORTE | 1007 HUGH DR. SAINT MARTINVILLE, LA 70582 | AFLAC | $8 | — | $8 | 0.06% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 4190 WAVERLY RD. WEST POINT, MS 39211 | AFLAC | $7 | — | $7 | 0.05% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $6 | — | $6 | 0.04% |
| RICHARD TYLER AKERS3 Filed as: RICHARD AKERS | 4190 WAVERLY RD. WEST POINT, MS 39773 | AFLAC | $6 | — | $6 | 0.04% |
| ERROL WILKEN3 | 5204 CRAIG AVE. KENNER, LA 70065 | AFLAC | $5 | — | $5 | 0.04% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR. | 6202 IOLA AVE STE 115 LUBBOCK, TX 79424 | AFLAC | $4 | — | $4 | 0.03% |
| ADRIAN S JOHNSON3 Filed as: ADRIAN JOHNSON | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $2 | — | $2 | 0.01% |
| MOWDY FINANCIAL LLC3 | P.O. BOX 3340 RIDGELAND, MS 39158 | AFLAC | $2 | — | $2 | 0.01% |
| D P SMITH3 Filed as: D SMITH | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DR. GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.01% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,170 | $227K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,510 | $197K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,170 | $227K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 673 | $231K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 673 | $168K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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.