| 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% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 20.00% |
| PAUL'S AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | DELTA DENTAL INSURANCE COMPANY | $18K | — | $18K | 9.19% |
| 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 | 1.84% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 20.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| PAUL'S AGENCY LLC3 | 1200 GREENWOOD ST MORGAN CITY, LA 70381 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| PAULS AGENCY LLC3 | PO BOX 1680 MORGAN CITY, LA 70381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 SERVICE PROVIDER | Insurance services Service code 23 | — | $77K |
| PAUL'S INSURANCE AGENCY EIN 72-0487865 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| MEDCOM EIN 72-1339762 SERVICE PROVIDER | Insurance services Service code 23 | — | $35K |
| 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.); Contract Administrator; Claims processing 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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 319 | $602K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 298 | $192K |
| Vision | STANDARD INSURANCE COMPANY | 228 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $196K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $108K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 319 | $602K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.