| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BLVD #110 LAFAYETTE, LA 70503 | DELTA DENTAL INSURANCE COMPANY | $165K | — | $165K | 10.39% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE INC | 500 DOVER BLVD LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62K | — | $62K | 13.58% |
| LACEY FONTENOT3 | 113 FLAGG BLVD BULIDIN G SUITE D LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 2.90% |
| MICHAEL E BENSON3 | 113 FLAGG PLACE BLDG 6 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 2.60% |
| KEITH WILLIAM BELLE3 Filed as: KEITH W BELLE | 113 FLAGG PL BLDG 60 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.04% |
| SHELBY KENNEDY3 Filed as: SHELBY KERR | 522 ST PATRICK STREET LAFAYETTE, LA 70506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | 0.20% |
| HEATHER NEDDEAU3 | 20518 N BLUE, HYACINTH DR CYPRESS, TX 77433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.01% |
| MORGAN BRENKE3 | 123 PEAK RUN YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| SOUTH CENTRAL INSURANCE BROKERS LLC3 | 228 N PARKERS ON AVE SUITE B CROWLEY, LA 70526 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KEITH RICHARD3 | 113 FLAGG PLACE LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 3,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,824 | $1.6M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 5,981 | $286K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,752 | $707K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 933 | $726K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,178 | $660K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,752 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,981 | — |
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.