| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST AGENCY L | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $39K | $20K | $59K | 6.04% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $92 | $7K | 10.32% |
| LEE E FRITZE3 | 150 TUDOR AVENUE RIVER RIDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $360 | $717 | 1.02% |
| CHRISLYN FREDERICK3 | 535 WILD FORREST DRIVE DAVENPORT, FL 33837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 0.88% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $30 | $575 | 0.81% |
| WHITNEY FRITZE3 | 150 TUDOR AVENUE NEW ORLEANS, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $216 | $455 | 0.64% |
| MCKAY STRATEGIC BENEFITS LLC3 | 119 BRIARMEADOW DRIVE LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.21% |
| TABITHA DAY3 | 13384 REID DRIVE GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $13 | $39 | 0.06% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 1644 STUBBS VINSON ROAD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MICHELLE RENEE LANDRY3 | 3402 VIDA SHAW ROAD NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KATHLEEN A BARTLETT3 | 205 ELIAS G. ROAD LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGEN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGEN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGEN | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 118 | $979K |
| Dental | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 118 | $979K |
| Vision | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 118 | $979K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $40K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 46 | $24K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 118 | $979K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.