| 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 | $53K | $57K | $110K | 3.16% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD | — | BLUECROSS BLUESHIELD OF LOUISIANA | $17K | — | $17K | 0.48% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83K | $14K | $97K | 12.20% |
| SHANNON S KNAPPS3 | 11015 MCCULOUGH ROAD ZACHARY, LA 70791 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 2.02% |
| WINSTON E HARRIS3 | 2133 SILVERSIDE DRIVE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 1.91% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DRIVE COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $457 | $12K | 1.44% |
| CHARLINE PARKER3 Filed as: CHARLINE T PARKER | 6390 TWIN BRIDGES ROAD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $100 | $9K | 1.18% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVENUE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 1.13% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD ROAD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $395 | $7K | 0.85% |
| G BARILLEAUX & ASSOCIATES INC3 | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $124 | $3K | 0.40% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT GREZAFFI | 1008 PARENT STREET NEW ROADS, LA 70760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| MATTHEW MEHLON3 | PO BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $268 | $2K | 0.21% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 0.07% |
| STEVEN MULLEN3 | 8685 JOOR ROAD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.01% |
| INTEGRITY BENEFIT SOLUTIONS LLC3 | 39014 PRAIRIE NORTH DRIVE GONZALES, LA 70737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.01% |
| LG INSURANCE MANAGEMENT SERVICES LP3 | 12900 PRESTON ROAD SUITE 1200 DALLAS, TX 75230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 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% |
| AHRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DRIVE DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: MANDI ROGERS | 7751 PIPES LANE ETHEL, LA 70730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: BELINDA ROGERS | 5516 HIGHWAY 963 JACKSON, LA 70748 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.00% |
| KAREN SUE MUSACCHIA3 | 14049 KATHERINE AVENUE BATON ROUGE, LA 70815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| MOHR BENEFITS LLC3 | 3515 MELVIL DEWEY METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| GREG H TOWN3 | 4826 JAMESTOWN AVENUE SUITE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| MICHELE MOHR PARADISE3 | 117 CHATEAU LATOUR KENNER, LA 70065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| JOULIETA A BONVILLAIN3 | 1016 VERRET STREET HOUMA, LA 70360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GARY J BURKE3 | 4736 WEST NAPOLEON AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROBERT E. GAJOCH3 Filed as: ROBERT E GAJOCH | 280 HINDMAN ROAD TRAVELERS REST, SC 29690 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BOULEVARD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JS YOUNG AND ASSOCIATES3 | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTINE L COURTNEY3 | 333 WEEKSRIDGE LANE MONCKS CORNER, SC 29461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP LLC | 3621 RIDGELAKE DRIVE SUITE 306 METAIRIE, LA 70002 | GUARANTY ASSURANCE COMPANY | $20K | — | $20K | 7.33% |
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DRIVE METAIRIE, LA 70002 | EYEMED VISION CARE | $3K | — | $3K | 6.70% |
| WINSTON E HARRIS3 Filed as: WINSTON HARRIS-BOR | 18250 GRAND CYPRESS CREEK COURT BATON ROUGE, LA 70810 | EYEMED VISION CARE | $1K | — | $1K | 2.61% |
| DONALD R MASSAD, APC3 Filed as: DONALD MASSAD APC | 4970 BLUEBONNET BOULEVARD SUITE B BATON ROUGE, LA 70809 | EYEMED VISION CARE | $439 | — | $439 | 0.85% |
| GEORGE K MILLER3 | 11721 MARKET PLACE AVENUE SUITE A BATON ROUGE, LA 70816 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 549 | $3.5M |
| Dental | GUARANTY ASSURANCE COMPANY | 657 | $275K |
| Vision | EYEMED VISION CARE | 907 | $52K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 729 | $798K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $16K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 549 | $3.5M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 729 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.