| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE L. DOUCET3 | 4 AMBER GLEN BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 8.55% |
| MICHELLE LEDOUX DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 16.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1 | $2K | 0.83% |
| MICHELLE L. DOUCET3 | 4 AMBER GLEN BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY | $29K | — | $29K | 20.14% |
| MICHELLE LEDOUX DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.23% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $56 | — | $56 | 15.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSOR | Claims processing; Plan Administrator Service code 12 | — | $601K |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,045 | $604K |
| Vision | VISION SERVICE PLAN | 1,053 | $85K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,501 | $526K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $476K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $252K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,501 | $909K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,045 | — |
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.