| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LIMITED-EQUITABLE | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 7.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $728 | $10K | 10.73% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.52% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $869 | $4K | 4.17% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $656 | $2K | 2.54% |
| JOEY MIGUES3 | 103 BALTUSROL DR. BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $797 | $1K | $2K | 2.15% |
| REID RICHARD SUTTON3 | 23695 MONARCH PT SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $465 | $2K | 1.74% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LLC | 5210 COTTONWOOD CREEK LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.16% |
| SCOTT J CHAMBERS3 | 609 EMMELINE ST NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.16% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 101 | $190K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $93K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 101 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.