| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARIS INSURANCE AGENCY LLC3 | PO BOX 559 LOCKPORT, LA 70374 | UNITEDHEALTCARE INSURANCE COMPANY | $29K | — | $29K | 4.19% |
| LARIS INSURANCE AGENCY LLC3 | PO BOX 559 LOCKPORT, LA 70374 | UNITEDHEALTCARE INSURANCE COMPANY | $2K | $699 | $2K | 0.34% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE AGENCY | 500 DOVER BOULEVARD #110 LAFAYETTE, LA 70503 | UNITEDHEALTCARE INSURANCE COMPANY | — | $890 | $890 | 0.13% |
| ASSUREDPARTNERS3 Filed as: DWIGHT W ANDRUS INS INC | 500 DOVER BOULEVARD SUITE 110 LAFAYETTE, LA 70503 | UNITEDHEALTCARE INSURANCE COMPANY | -$58 | — | -$58 | -0.01% |
| LARIS INSURANCE AGENCY LLC3 | 810 CRESCENT AVENUE PO DRAWER 128 LOCKPORT, LA 70374 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.03% |
| LARIS INSURANCE AGENCY LLC3 | 810 CRESCENT AVENUE PO DRAWER 128 LOCKPORT, LA 70374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 22.07% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTCARE INSURANCE COMPANY | 183 | $681K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 85 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.