| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORY GROUP, LLC3 | 14635 SOUTH HARRELL'S FERRY SUITE 5B BATON ROUGE, LA 70816 | BLUECROSS BLUESHIELD OF LOUISIANA | $76K | $47K | $123K | 3.36% |
| GROUP INSURANCE INC OF LOUISIANA3 Filed as: GROUP INSURANCE INC. OF LOUISIANA | 3636 SHERWOOD FOREST ROAD SUITE 111 BATON ROUGE, LA 70816 | BLUECROSS BLUESHIELD OF LOUISIANA | — | $16K | $16K | 0.43% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74K | $21K | $95K | 14.51% |
| LES-LEIGH CARGILL3 | 7250 VICE PRESIDENT DRIVE BATON ROUGE, LA 70817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $5K | $15K | 2.28% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH ROAD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $14K | 2.15% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT GREZAFFI | 1008 PARENT STREET NEW ROADS, LA 70760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 1.98% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $11K | 1.60% |
| KAREN SUE MUSACCHIA3 | 14049 KATHERINE AVENUE BATON ROUGE, LA 70815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $169 | $9K | 1.40% |
| CHARLINE PARKER3 Filed as: CHARLINE T PARKER | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 1.39% |
| GEORGE CHARLES NICOLL3 | 1340 FAIRFIELD DRIVE MENDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.23% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 0.11% |
| STEVEN MULLEN3 | 8685 JOOR ROAD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.02% |
| BARRY F. JOHNSON3 Filed as: BARRY F JOHNSON | 10000 NORTH CENTRAL EXPRESSWAY DALLAS, TX 75251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| AHRENS BENEFITS COMMUNICATIONS INC3 Filed as: AHRENS BENEFITS COMMUNICATIONS, INC | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.01% |
| GARY L. ROSIERE3 Filed as: GARY L ROSIERE | PO BOX 2721 GRETNA, LA 70053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: MANDI ROGERS | 7751 PIPES LANE ETHEL, LA 70730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: BELINDA ROGERS | 5516 HIGHWAY 963 JACKSON, LA 70748 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.01% |
| MICHAEL D PETERSON3 | 1755 COLLEGE DRIVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| AMIE NICOLE MCLAUGHLIN3 | 9064 BOONE DRIVE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| GREG H TOWN3 | 4664 JAMESTOWN AVENUE SUITE 240 BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| MOHR BENEFITS LLC3 | 3515 MELVIL DEWEY METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| MICHELE MOHR PARADISE3 | 608 KENT AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| JOUILIETA A BONVILLAIN3 | 1016 VERRET STREET HOUMA, LA 70360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| WINSTON E HARRIS3 | 18250 GRAND CYPRESS CREEK COURT BATON ROUGE, LA 70810 | GUARANTEE ASSURANCE COMPANY | $33K | — | $33K | 11.28% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DRIVE SUITE 306 METAIRIE, LA 70002 | GUARANTEE ASSURANCE COMPANY | $7K | — | $7K | 2.21% |
| WINSTON E HARRIS3 Filed as: WINSTON HARRIS | 2133 SILVERSIDE DRIVE SUITE E2 BATON ROUGE, LA 70808 | EYEMED VISION CARE | $5K | — | $5K | 9.11% |
| GEORGE K MILLER3 | 11721 MARKET PLACE AVENUE SUITE A BATON ROUGE, LA 70816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.98% |
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 | 805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 591 | $3.7M |
| Dental | GUARANTEE ASSURANCE COMPANY | 805 | $297K |
| Vision | EYEMED VISION CARE | 912 | $54K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 663 | $654K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $9K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 591 | $3.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 663 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.