| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $108K | — | $108K | 14.54% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 15.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY | P.O. BOX 60970 LAFAYETTE, LA 70596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY IN | P.O. BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 15.46% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | 500 DOVER BOULEVARD SUITE 210 LAFAYETTE, LA 70503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS INC | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.80% |
| CHRISTOPHER GERALD HEBERT3 Filed as: CHRISTOPHER G HEBERT | 111 SUMMER MORNING COURT LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.08% |
| BLAKE CHARLES ADAMS3 Filed as: BLAKE C ADAMS | 200 CREEKWOOD DRIVE LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| ADRIAN S JOHNSON3 Filed as: ADRIAN SCOTT JOHNSON | 289 MONTROSE PLACE BOSSIER CITY, LA 71111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $954 | — | $954 | 1.22% |
| BLAZE J FREMIN3 | 140 RUEBEAURGARD SUITE C LAFAYETTE, LA 70505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $767 | — | $767 | 0.98% |
| BRANDI N PATIN3 | 300 GARFIELD STREET LAFAYETTE, LA 70501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.33% |
| TERRY J LAPORTE3 | 140 C RUEBEAUREGARD LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.25% |
| ALANA S ADAMS3 | 476 KENT STREET BREAUXBRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | — | $163 | 0.21% |
| JERI B CHIDESTER3 | 110 EMMA DRIVE LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.10% |
| KEITH WILLIAM BELLE3 Filed as: KEITH W BELLE | 113 FLAGG PLACE BUILDING 60 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| CHRISTIAN J. GAMBEL3 | P.O. BOX 5105 LAFAYETTE, LA 70505 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $575 | — | $575 | 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 | 948 | 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) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 928 | $746K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,526 | $145K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,186 | $132K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 994 | $355K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 994 | $113K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,186 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.