| 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 | $78K | $58K | $135K | 3.48% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78K | $25K | $103K | 13.84% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH ROAD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 2.28% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT GREZAFFI | 1008 PARENT STREET NEW ROADS, LA 70760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 2.24% |
| LES-LEIGH CARGILL3 | 7250 VICE PRESIDENT DRIVE BATON ROUGE, LA 70817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $17K | 2.23% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 1.74% |
| CHARLINE PARKER3 Filed as: CHARLINE T PARKER | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 1.15% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD ROAD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $452 | $4K | 0.56% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $93 | $3K | 0.40% |
| KAREN SUE MUSACCHIA3 | 14049 KATHERINE AVENUE BATON ROUGE, LA 70815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.17% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | — | $598 | 0.08% |
| INTEGRITY BENEFIT SOLUTIONS LLC3 | 39014 PRAIRIE NORTH DRIVE GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $37 | $339 | 0.05% |
| GEORGE CHARLES NICOLL3 | 1340 FAIRFIELD DRIVE MENDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.03% |
| STEVEN MULLEN3 | 8685 JOOR ROAD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.01% |
| AHRENS BENEFITS COMMUNICATIONS INC3 Filed as: AHRENS BENEFITS COMMUNICATIONS, INC | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.01% |
| GARY L. ROSIERE3 Filed as: GARY L ROSIERE | PO BOX 2721 GRETNA, LA 70053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| BARRY F. JOHNSON3 Filed as: BARRY F JOHNSON | 10000 NORTH CENTRAL EXPRESWAY DALLAS, TX 75251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: MANDI ROGERS | 7751 PIPES LANE ETHEL, LA 70730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: BELINDA ROGERS | 5516 HIGHWAY 963 JACKSON, LA 70748 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.00% |
| LG INSURANCE MANAGEMENT SERVICES LP3 | 12900 PRESTON ROAD SUITE 1200 DALLAS, TX 75230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.00% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| AMIE NICOLE MCLAUGHLIN3 | 9064 BOONE DRIVE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| MOHR BENEFITS LLC3 | 3515 MELVIL DEWEY METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| GREG H TOWN3 | 4664 JAMESTOWN AVENUE SUITE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| PAUL M BERTUCCI3 | PO BOX 365 MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| MICHELE MOHR PARADISE3 | 117 CHATEAU LATOUR KENNER, LA 70065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| JOUILIETA A BONVILLAIN3 | 1016 VERRET STREET HOUMA, LA 70360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| ROBERT P BRULET3 | 4736 WEST NAPOLEON METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| GARY J BURKE3 | 4736 WEST NAPOLEON AVENUE MATAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ELYSIAN INSURANCE AGENCY3 | 4736 WEST NAPOLEON AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 WEST NAPOLEON AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WALLY V PONTIFF3 | 41 SAVANNAH RIDGE LANE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DRIVE SUITE 306 METAIRIE, LA 70002 | GUARANTY ASSURANCE COMPANY | $40K | — | $40K | 12.87% |
| WINSTON E HARRIS3 Filed as: WINSTON HARRIS-BPR | 18250 GRAND CYPRESS CREEK COURT BATON ROUGE, LA 70810 | EYEMED VISION CARE | $4K | — | $4K | 7.26% |
| GEORGE K MILLER3 | 11721 MARKET PLACE AVENUE SUITE A BATON ROUGE, LA 70816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.98% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 627 | $3.9M |
| Dental | GUARANTY ASSURANCE COMPANY | 736 | $312K |
| Vision | EYEMED VISION CARE | 850 | $55K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 628 | $744K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $14K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 627 | $3.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 628 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.