| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULS AGENCY LLC3 Filed as: PAULS INSURANCE AGENCY | PO BOX 1680 MORGAN CITY, LA 70381 | US FIRE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HEALTHCOMP3 Filed as: HEALTHCOMP INTEGRATED SOLUTIONS, LL | — | US FIRE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PAUL'S AGENCY LLC3 | 1200 GREENWOOD PL MORGAN CITY, LA 703801323 | AMERITAS LIFE INSURANCE CORPORATION | $18K | — | $18K | 10.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 16.71% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| PAUL'S AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF THE | WEST, LLC 2745 W 600 N LINDON, UT 84042 | STANDARD INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 13.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 SERVICE PROVIDER | Insurance services Service code 23 | — | $59K |
| PAUL'S INSURANCE AGENCY EIN 72-0487865 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| MEDCOM EIN 72-1339762 SERVICE PROVIDER | Insurance services Service code 23 | — | $38K |
| INTERFACE EAP EIN 76-0280809 SERVICE PROVIDER | Insurance services Service code 23 | — | $9K |
| HEALTHCOMP INTEGRATED SOLUTIONS LLC EIN 72-0519951 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 349 | $637K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 300 | $183K |
| Vision | STANDARD INSURANCE COMPANY | 234 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $160K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 347 | $128K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 318 | $132K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 349 | $637K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.