| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | P O BOX 1269 HOUMA, LA 70361 | SYMETRA LIFE INSURANCE COMPANY | $37K | $40K | $78K | 8.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 DOVER BLVD LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71K | $12K | $83K | 24.67% |
| JOEY MIGUES Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $19K | $38K | 11.37% |
| GROUP VOLUNTARY BENEFITS LLC | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 4.27% |
| SCOTT J CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | $111 | $575 | 0.17% |
| JOSHUA GERARD VIATOR | 802 BRAXTON DR YOUNGSVILLE, LA 70592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $111 | $551 | 0.16% |
| APARICIO WALKER & SEELING INC | 4501 W NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| KIM REED SMITH Filed as: KIM R TERRELL | 1644 STUBBS VINSON RD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ELYSIAN INSURANCE AGENCY | 4736 W NAPOLEON METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RITA WHITE | 101 PLEASANT RIDGE DR BELLE CHASSE, LA 70037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DWIGHT W ANDRUS INS AGCY INC Filed as: DWIGHT W ANDRUS INSURANCE AGENCY IN | P O BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSUARNCE COMPANY | $203 | — | $203 | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED | 500 DOVER BLVE STE 110 LAFAYETTE, LA 705035000 | METROPOLITAN LIFE INSUARNCE COMPANY | $65 | — | $65 | 1.23% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | PO BOX 60970 LAFAYETTE, LA 705960970 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $104K | $33K | $137K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA EIN 23-7384555 | Plan Administrator Service code 14 | 5525 REITZ AVENUE BATON ROUGE, LA 708261798 | $1.1M |
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 | 1,988 | 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) | 1,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSUARNCE COMPANY | 2,350 | $5K |
| Dental | METROPOLITAN LIFE INSUARNCE COMPANY | 12 | $5K |
| Vision | METROPOLITAN LIFE INSUARNCE COMPANY | 12 | $5K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,457 | $1.2M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,457 | $897K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,457 | $897K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,671 | $1.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,350 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,350 | — |
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.
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.