| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA HEALTH BENEFIT PLAN OF LOUSIANA,INC. | $52K | — | $52K | 6.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.47% |
| JOEY MIGUES3 | 306 W MAIN ST NEW IBERIA, LA 50560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $772 | $3K | 7.63% |
| BETTY ROMERO3 | 100 LOREN AVE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $74 | $1K | 2.72% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $267 | $1K | 2.63% |
| JACQUES MIGUES3 | 5603 LOREAUVILLE RD NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $103 | $486 | 1.10% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 306 W MAIN NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 0.97% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DR HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $42 | $117 | 0.26% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY BOURGEOIS-HOLMES | 6 OAK PLACE NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.24% |
| MONICA BOUILLION3 | 2811 LABAUVE DR NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 19.71% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.