| 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% |
| GILSBAR, LLC3 | PO BOX 998 COVINGTON, LA 70434 | US FIRE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PAUL'S AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | DELTA DENTAL INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD | 55 E. JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 20.00% |
| PAUL'S AGENCY LLC3 | 1200 GREENWOOD ST MORGAN CITY, LA 70381 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.97% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 SERVICE PROVIDER | Insurance services Service code 23 | — | $83K |
| PAUL'S INSURANCE AGENCY EIN 72-0487865 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| MEDCOM EIN 72-1339762 SERVICE PROVIDER | Insurance services Service code 23 | — | $38K |
| INTERFACE EAP EIN 76-0280809 SERVICE PROVIDER | Insurance services Service code 23 | — | $10K |
| GILSBAR, INC. EIN 72-0519951 SERVICE PROVIDER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7K |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 330 | $651K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 322 | $199K |
| Vision | STANDARD INSURANCE COMPANY | 250 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 397 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $69K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 330 | $651K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 397 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.