| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP | 106 OIL CENTER DRIVE SUITE 250 LAFAYETTE, LA 70503 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $29K | $2K | $31K | 4.63% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL GULF SOUTH LTD | P. O. BOX 6650 METAIRIE, LA 70009 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $0 | $3K | $3K | 0.50% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP | 106 OIL CENTER DRIVE LAFAYETTE, LA 70503 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P. O. BOX 6650 METARIE, LA 70009 | NATIONAL GUARDIAN LIFE | -$1 | — | -$1 | -0.00% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | 106 OIL CENTER DRIVE SUITE 350 LAFAYETTE, LA 70503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.09% |
| JOEY MIGUES | 306 WEST MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.52% |
| JOEY MIGUES3 | 306 WEST MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.52% |
| JOEY MIGUES3 | 306 WEST MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $64 | $775 | — |
| BETTY ROMERO3 | 100 LOREN AVENUE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $2 | $118 | — |
| SCOTT J CHAMBERS3 Filed as: SCOTT J. CHAMBERS | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | — |
| JODIE C MIGUES3 | 306 WEST MAIN STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | — |
| JACQUES P DAVID CORPORATION Filed as: JACQUES MATTHEW MIGUES | 5603 LOREAUVILLE ROAD NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| MONICA BOUILLION3 Filed as: MONICA BOULLION | 2811 LABAUVE DRIVE NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 85 | $671K |
| Dental | NATIONAL GUARDIAN LIFE | 79 | $53K |
| Vision | NATIONAL GUARDIAN LIFE | 79 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $38K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.