| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILLIS ELLIS & BAKER, INC3 | 1615 POYDRAS STREET SUITE 700 NEW ORLEANS, LA 70112 | HUMANA HEALTH BENEFIT PLAN OF LA, INC. | $60K | — | $60K | 3.98% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DR., STE 306 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LA, INC. | $6K | $1K | $8K | 10.93% |
| DAVID LAVIGNE3 Filed as: DAVID M LAVIGNE | 210 ELYSIAN FIELDS DR. LAFAYETTE, LA 70508 | AFLAC | $4K | $85 | $4K | 6.20% |
| JAMESA VERGENAL3 | 911 DARTEZ DR. NEW IBERIA, LA 70563 | AFLAC | $3K | — | $3K | 4.90% |
| ROGER A PISANI3 | P.O. BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $2K | $34 | $2K | 3.35% |
| ANGELA MARIE VERGENAL3 | 911 DARTEZ DR. NEW IBERIA, LA 70563 | AFLAC | $1K | $85 | $2K | 2.54% |
| USI INSURANCE SERVICES LLC3 | 832 E BOSTON ST., STE. 6 COVINGTON, LA 70433 | AFLAC | $1K | — | $1K | 2.43% |
| CARLOS D ESPINOSA3 | 1164 ROBERT MALLET RD. ARNAUDVILLE, LA 70512 | AFLAC | $773 | — | $773 | 1.28% |
| AARON L PARVINO3 | 102 MISSION HILLS DR. BROUSSARD, LA 70518 | AFLAC | $286 | $34 | $320 | 0.53% |
| BLAZE J FREMIN3 | P.O. BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $314 | — | $314 | 0.52% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DR. LAFAYETTE, LA 70508 | AFLAC | $281 | — | $281 | 0.46% |
| FRANKLIN W STOUTE3 | 2388 PEACH BLOOM HWY. CHURCH POINT, LA 70525 | AFLAC | $161 | — | $161 | 0.27% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE, STE. 100 LAFAYETTE, LA 70508 | AFLAC | $124 | — | $124 | 0.21% |
| JASON A MAYNARD3 | 140 RUE BEAUREGARD, STE. C LAFAYETTE, LA 70508 | AFLAC | $71 | — | $71 | 0.12% |
| SIEGAN J VERGENAL3 | 911 DARTEZ DR. NEW IBERIA, LA 70563 | AFLAC | $52 | — | $52 | 0.09% |
| SALVADOR DIAZ-VERSON III3 | 252 KODIAK TRAIL FORTSON, GA 31808 | AFLAC | $46 | — | $46 | 0.08% |
| L EDWARD LANTMAN3 | 2001 W WILLOW KNOLLS DR., STE. 206 PEORIA, IL 61614 | AFLAC | $20 | — | $20 | 0.03% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLOMBUS, GA 31907 | AFLAC | $13 | — | $13 | 0.02% |
| JOHN C POLLOCK3 | 600 UNIVERSITY OFFICE BLVD., STE. 1 PENSACOLA, FL 32504 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR. PACE, FL 32571 | AFLAC | $7 | — | $7 | 0.01% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DRIVE SAINT MARTINVILLE, LA 70582 | AFLAC | $5 | — | $5 | 0.01% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL. BOSSIER CITY, LA 71111 | AFLAC | $3 | — | $3 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DR. FLAT ROCK, NC 28731 | AFLAC | $2 | — | $2 | 0.00% |
| JOEL SANDERS3 Filed as: JOEL A. SANDERS | 2165 HALCYON BLVD. MONTGOMERY, AL 36117 | AFLAC | — | — | $0 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | — | — | $0 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | — | — | $0 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD. STE. 150 MONTGOMERY, AL 36117 | AFLAC | — | — | $0 | 0.00% |
| CHRISTIE MARZARI3 | 1932 WYNNTON RD. COLUMBUS, GA 31999 | AFLAC | — | — | $0 | 0.00% |
| KING HALL & ASSOCIATES, INC.3 | P.O. BOX 55400 METAIRIE, LA 70055 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.64% |
| GILLIS ELLIS & BAKER, INC3 | 1615 POYDRAS STREET SUITE 700 NEW ORLEANS, LA 70112 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GILLIS ELLIS & BAKER, INC3 | 1615 POYDRAS STREET SUITE 700 NEW ORLEANS, LA 70112 | HUMANA DENTAL INSURANCE COMPANY | $1K | — | $1K | 9.96% |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LA, INC. | 150 | $1.5M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LA, INC. | 121 | $69K |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 151 | $15K |
| Life insurance | KANAWHA INSURANCE COMPANY | 147 | $30K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $34K |
| Other | AFLAC | 72 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.