| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: CREATIVE EMPLOYEE BENFIT SERVICES | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 1.02% |
| SHANNON S KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 0.58% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $128 | $2K | 0.22% |
| METTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $93 | $1K | 0.14% |
| LOUISIANA COMPANIES3 Filed as: LOUISIANA COMPANIES INC | PO BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | $0 | $678 | 0.08% |
| G BARILLEAUC & ASSOCIATES INC3 | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $4 | $552 | 0.06% |
| MCKENZIE C KNAPPS3 | 11015 MCCULLOUGH RD ZACHCARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | $0 | $535 | 0.06% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $41 | $392 | 0.04% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROFESSIONAL CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $0 | $378 | 0.04% |
| JACOB MICHEL ETCHEVERRIA3 | 1058 BURKE RD BROUSSARD, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $292 | $368 | 0.04% |
| CHARLINE PARKER | 11136 HIGHWAY 28 BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.02% |
| GUY ROBICHAUX3 | 10700 CAMORS LN JEANERETTE, LA 70544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $23 | $99 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $30K | $12K | $42K | 4.87% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $90K | $90K | 49.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 18.11% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $304 | $3K | 6.83% |
| SHANNON S KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $446 | $2K | 4.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $23 | $500 | 1.16% |
| LOUSIANA COMPANIES INC3 | PO BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 0.71% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROFESSIONAL CORP | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.65% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DR LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $1 | $279 | 0.64% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $9 | $180 | 0.42% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $18 | $172 | 0.40% |
| MCKENZIE C KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $0 | $154 | 0.36% |
| CHARLINE PARKER3 | 11136 HIGHWAY 28 BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.55% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $149 | $1K | 10.71% |
| SHANNON S KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $385 | $132 | $517 | 4.62% |
| MATHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $31 | $404 | 3.61% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $11 | $215 | 1.92% |
| MCKENZIE C KNAPPS3 | 11015 MCCULLOUGH RD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.62% |
| TABITHA DAY3 | 13384 REID DR GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $8 | $64 | 0.57% |
| LOUISIANA COMPANIES3 Filed as: LOUISIANA COMPANIES INC | PO BOX 991 BATON ROUGE, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.55% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $2 | $143 | 3.78% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 1.80% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $1.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 127 | $41K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 127 | $41K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 176 | $1.1M |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 176 | $180K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 176 | $180K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 121 | $861K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 176 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.