| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN LAPEYRE INSURANCE SERVICE3 Filed as: CHRISTIAN DUPONT LAPEYRE | PO BOX 1269 HOUMA, LA 703611269 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.85% |
| MARC HARRIS INSURANCE LLC0 | PO BOX 3584 HOUMA, LA 703613584 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.19% |
| CHRISTIAN LAPEYRE INS SERVICES INC3 Filed as: CHRISTIAN LAPEYRE INS. SERVICES | PO BOX 1269 HOUMA, LA 70361 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 13.19% |
| SOUTH LOUISIANA FINANCIAL SERVICES3 Filed as: SOUTH LOUISIANA FINANCIAL SERV | 315 S HOLLYWOOD RD HOUMA, LA 703602705 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $12K | 12.59% |
| SEE ATTACHMENT3 | — | AFLAC | $12K | $451 | $12K | 16.39% |
| 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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.1M |
| Dental | MERITAIN HEALTH | 214 | $67K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $97K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $97K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $97K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.