| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST AGENCY | PO BOX 2456 LAFAYETTE, LA 70502 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 4.07% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES, INC. | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $298 | $11K | 17.13% |
| CHRISLYN FREDERICK3 | 610 GEORGETOWN DRIVE CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.26% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $963 | $177 | $1K | 1.82% |
| CAROL S ROBICHEAUX3 | 312 GUILBEAU LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $812 | $31 | $843 | 1.35% |
| MCKAY STRATEGIC BENEFITS LLC3 | 106 EMERSON ROAD YOUNGSVILLE, LA 70592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.34% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET SUITE 94 NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $27 | $88 | 0.14% |
| KATHLEEN A BARTLETT3 | 205 ELIAS G ROAD LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| LULA D HOTARD3 | 184 ST. CALAIS PLACE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD ROAD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGE | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $942K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $942K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $942K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $93K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $82K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 46 | $23K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
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.