| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DWIGHT W. ANDRUS INS INC | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $27K | $16K | $43K | 5.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.64% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY IN | PO BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.93% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.80% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 11.30% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY IN | PO BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSURANCE COMPANY | $551 | — | $551 | 7.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $275 | $110 | $385 | 5.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $275 | $275 | 3.86% |
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W ANDRUS INSURANCE AGENCY IN | PO BOX 60970 LAFAYETTE, LA 70596 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | — | $380 | 7.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | $76 | $266 | 5.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $190 | $190 | 3.85% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INSURANCE INC | — | COMBINED INSURANCE | — | $4K | $4K | 90.00% |
| GIS BENEFITS INC3 | — | COMBINED INSURANCE | $543 | — | $543 | 11.50% |
| OPTIBEN LLC3 | SUITE 100 377 HIGHWAY 21 MADISONVILLE, LA 70447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $353 | — | $353 | 10.13% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $517 | — | $517 | 19.98% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | $108 | — | $108 | 10.01% |
| OPTIBEN LLC3 | SUITE 100 377 HIGHWAY 21 MADISONVILLE, LA 70447 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 8.58% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 124 | $773K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $142K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $142K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $98K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $93K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $91K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 124 | $773K |
| Other(9 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.