| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $108K | — | $108K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $749 | $273 | $1K | 0.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 7.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE | $5 | — | $5 | 0.01% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT STREET SAPULA, OK 74066 | TRANSAMERICA | $410 | — | $410 | 5.51% |
| LOCKTON COMPANIES, LLC3 | 11801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA | $137 | — | $137 | 1.84% |
| KAREN SEFFENS BAREFIELD3 | PO BOX 2275 WEST MONROE, LA 71294 | AFLAC | $272 | — | $272 | 3.93% |
| MJ INSURANCE3 Filed as: BLAZE J FREMIN AND VARIOUS AGENTS | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $138 | — | $138 | 1.99% |
| MICHAEL BERRY BREWTON3 | 116 KILLGORE ROAD, SUITE 3 RUSTON, LA 71270 | AFLAC | $126 | — | $126 | 1.82% |
| BRANDI LYNN SHURDEN3 | 201 STRASBOURG DRIVE WEST MONROE, LA 71291 | AFLAC | $119 | — | $119 | 1.72% |
| MITCHEL SHURDEN3 Filed as: MITCHEL BRIAN SHURDEN | 1318 AVANT ROAD WEST MONROE, LA 71291 | AFLAC | $84 | — | $84 | 1.21% |
| RICHARD RUSSELL HOGAN3 | 406 TREMONT DRIVE RUSTON, LA 71270 | AFLAC | $46 | — | $46 | 0.66% |
| JAMES GREG HOGUE3 | PO BOX 2301 MONROE, LA 71207 | AFLAC | $41 | — | $41 | 0.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 4.69% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 628 | $3.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 683 | $290K |
| Vision | NATIONAL GUARDIAN LIFE | 256 | $35K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $259K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $256K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $250K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 628 | $3.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.