| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNY | PO BOX 2456 LAFAYETTE, LA 70502 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $36K | — | $36K | 3.74% |
| DAVID J. ROMAGOSA3 | 213 N COLLEGE ROAD LAFAYETTE, LA 70506 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST AGNCY | PO BOX 2456 LAFAYETTE, LA 70506 | STANDARD INSURANCE COMPANY | $103 | — | $103 | 0.36% |
| DAVID J. ROMAGOSA3 | 213 N COLLEGE ROAD LAFAYETTE, LA 70506 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 2456 LAFAYETTE, LA 70502 | STANDARD INSURANCE COMPANY | $129 | — | $129 | 0.51% |
| DAVID J. ROMAGOSA3 Filed as: DAVID J ROMAGOSA | 213 N COLLEGE RD LAFAYETTE, LA 70506 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGCY | PO BOX 2456 LAFAYETTE, LA 70506 | STANDARD INSURANCE COMPANY | $207 | — | $207 | 1.26% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 198 | $965K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 198 | $965K |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 198 | $965K |
| Life insurance | STANDARD INSURANCE COMPANY | 200 | $25K |
| Short-term disability | STANDARD INSURANCE COMPANY | 199 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 48 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 198 | $965K |
| Other | STANDARD INSURANCE COMPANY | 200 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.