| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | 1200 GREENWOOD STREET MORGAN CITY, LA 70380 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $38K | $17K | $56K | 5.08% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P.O. BOX 1680 MORGAN CITY, LA 70381 | MERITAIN HEALTH | $6K | — | $6K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST. LOUIS, MO 63141 | MERITAIN HEALTH | — | $4K | $4K | 7.50% |
| CRESCENT DENTAL PLAN | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | MERITAIN HEALTH | — | $3K | $3K | 5.00% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P.O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 21.53% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF WEST LLC | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.18% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P.O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 21.63% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $738 | $738 | 3.19% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P.O. BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 21.81% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF WEST LLC | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $591 | $591 | 3.38% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY, LLC | P.O. BOX 1680 MORGAN CITY, LA 70381 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 237 | $1.1M |
| Dental | MERITAIN HEALTH | 103 | $57K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 96 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.