| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC HARRIS INSURANCE LLC3 | PO BOX 3584 HOUMA, LA 703613584 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 4.02% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SERV | 315 S HOLLYWOOD RD HOUMA, LA 703602705 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 20.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC (SEE ATTACHMENT) | 1932 WYNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $752 | $18K | 20.22% |
| CHRISTIAN LAPEYRE3 | P.O. BOX 910 HOUMA, LA 70360 | MERITAIN HEALTH | $7K | — | $7K | 10.00% |
| MERITAIN HEALTH5 | 9201 WATSON RD STE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | — | $4K | $4K | 6.50% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 704702140 | MERITAIN HEALTH | — | $3K | $3K | 5.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.5M |
| Dental | MERITAIN HEALTH | 161 | $69K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 128 | $102K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 128 | $102K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 128 | $102K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 128 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.