| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNELIUS S BARRILLEAUX3 Filed as: CORNELIUS BARRILLEAUX | PO BOX 9136 NEW IBERIA, LA 70562 | AFLAC | $6K | $197 | $6K | 12.69% |
| ROGER A PISANI3 | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $2K | $39 | $2K | 4.00% |
| BLAZE J FREMIN3 Filed as: BLAZE J FREMIN AND OTHER AGENTS | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $656 | $0 | $656 | 1.33% |
| FRANKLIN W STOUTE3 | 2388 PEACH BLOOM HIGHWAY CHURCH POINT, LA 70525 | AFLAC | $460 | $0 | $460 | 0.93% |
| CARLOS ESPINOSA3 | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $357 | $39 | $396 | 0.80% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE INC. | 500 DOVER BOULEVARD SUITE 210 LAFAYETTE, LA 70503 | AFLAC | $282 | $0 | $282 | 0.57% |
| SKYE A VERGENAL3 | 715 MALLARD CV NEW IBERIA, LA 70560 | AFLAC | $255 | $0 | $255 | 0.52% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE, INC. | 500 DOVER BOULEVARD LAFAYETTE, LA 70503 | MERITAIN HEALTH | $3K | — | $3K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST LOUIS, MO 63126 | MERITAIN HEALTH | $2K | — | $2K | 7.50% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | MERITAIN HEALTH | $2K | $0 | $2K | 6.00% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INSURANCE | PO BOX 60970 LAFAYETTE, LA 70596 | COMPANION LIFE INSURANCE COMPANY | $871 | — | $871 | 15.00% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT DENTAL INSURANCE | PO BOX 2140 MANDEVILLE, LA 70471 | COMPANION LIFE INSURANCE COMPANY | $435 | — | $435 | 7.49% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MERITAIN HEALTH | 57 | $26K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 78 | $55K |
| Short-term disability | AFLAC | 63 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 78 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.