| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE L. DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 12.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4 | $9K | 4.70% |
| MICHELLE L. DOUCET3 | 4 AMBER GLEN BOERNE, TX 78006 | UNUM INSURANCE COMPANY | $22K | $0 | $22K | 19.92% |
| MICHELLE L. DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.10% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LANE SUGARLAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $724 | — | $724 | 10.65% |
| KATELYNN P. MULCAHY4 Filed as: KATELYNN AARON | 286 TEXOMA DRIVE HICKORY CREEK, TX 75065 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $207 | — | $207 | 3.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAWAII MAINLAND ADMINISTRATORS, LLC EIN 45-4411599 CLAIMS PROCESSOR | Plan Administrator; Claims processing Service code 12 | — | $558K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $91K |
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 | 1,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 996 | $81K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,391 | $437K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 680 | $383K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 680 | $200K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,391 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,391 | — |
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.