| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DWIGHT W ANDRUS INS AGCY INC3 Filed as: DWIGHT W. ANDRUS INS AGCY, INC. | 500 DOVER BOULEVARD LAFAYETTE, LA 70596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 12.62% |
| SCOTT J CHAMBERS3 Filed as: SCOTT J. CHAMBERS | 609 EMMELINE STREET NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6K | $2K | $8K | 19.60% |
| JOEY MIGUES3 | 103 BALTUSROL BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4K | $5K | $8K | 19.11% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGCY, INC. | PO BOX 60970 LAFAYETTE, LA 70596 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5K | $1K | $6K | 13.96% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | $784 | $2K | 5.84% |
| JODIE C MIGUES3 Filed as: JODIE C. MIGUES | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $959 | $11 | $970 | 2.28% |
| REBECCA N SONGY3 Filed as: REBECCA N, SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $337 | $129 | $466 | 1.09% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $607 | $0 | $607 | 8.91% |
| ASSUREDPARTNERS3 Filed as: DWIGHT ANDRUS INS AGCY, INC. | PO BOX 60970 LAFAYETTE, LA 70596 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.31% |
| AGM BENEFITS3 Filed as: AGM BENEFITS SOLUTIONS | 3975 ONEAL LANE, SUITE B BATON ROUGE, LA 70816 | TRUSTMARK INSURANCE COMPANY | $282 | $0 | $282 | 7.67% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $273K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $273K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $323K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $273K |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
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.