| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST | INSURANCE AGENCY LLC P O BOX 2456 LAFAYETTE, LA 705022456 | BLUE CROSS AND BLUE SHIELD OF LA | $23K | — | $23K | 2.89% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 Filed as: CREATIVE EMPLOYEE BENEFIT SERVICE | P O BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 25.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | PO BOX 2456 LAFAYETTE, LA 70502 | GUARDIAN | $7K | $707 | $7K | 16.63% |
| MARK S METTILLE3 | 107 CANDLEIGHT LANE MORRIS, IL 60450 | GUARDIAN | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGE | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $869 | $579 | $1K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1170 WILSON HALL RD SUMTER, SC 29150 | PRINCIPAL LIFE INSURANCE COMPANY | — | $289 | $289 | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $287 | $287 | 0.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST | INSURANCE AGENCY LLC P O BOX 2456 LAFAYETTE, LA 705022456 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.10% |
| SOUTHERN NATL MARKETING CO3 | PO BOX 2456 LAFAYETTE, LA 70502 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $922 | $922 | 5.00% |
| SOUTHERN NATIONAL LIFE INSURANCE CO3 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $922 | $922 | 5.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LA | 103 | $786K |
| Dental | GUARDIAN | 96 | $43K |
| Vision | GUARDIAN | 96 | $43K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.