| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MALLIA | 1720 KALISTE SALOOM RD STE C-6 LAFAYETE, LA 70505 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $25K | $7K | $31K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES BATON ROU | 235 HIGHLANDIA DRIVE STE 100 BATON ROUGE, LA 70810 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $11K | — | $11K | 1.60% |
| MALLIA BENEFITS | 2 FLAGG PLACE, STE 2 LAFAYETTA, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $359 | $6K | 9.71% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 8.98% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $642 | $3K | 4.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| BETTY ROMERO3 | 100 LOREN AVE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $379 | $2K | 2.96% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $442 | $2K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 FLAGG PLACE STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | $33 | $983 | 1.48% |
| REID RICHARD SUTTON3 | 8014 ROD LAVER AVE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $24 | $366 | 0.55% |
| REBECCA N SONGY3 | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $77 | $324 | 0.49% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTHIMITED | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $881 | $301 | $1K | 19.95% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO | 5525 REITZ AVE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 6.66% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $1 | $85 | 2.54% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $1 | $66 | 1.97% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 1.32% |
| GROUP VOLUNTARY BENEFITS LLC | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.66% |
| MALLIA BENEFITS3 | 1720 KALISTGE SOLOOM SUITE C LAFAYETTE, LA 70505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.33% |
| REBECCA N SONGY3 Filed as: REBECCA SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.15% |
| MALLIA BENEFITS3 | 2 FLAGG PLACE STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $23 | $441 | 15.37% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $63 | $279 | 9.72% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $145 | $272 | 9.48% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $28 | $104 | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 FLAGG PLACE, STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 1.25% |
| OMAR MENDOZA3 | 29326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $6 | $23 | 0.80% |
| REBECCA N SONGY3 Filed as: REBECCA SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $5 | $20 | 0.70% |
| MANUEL FUENTES3 | 19327 TALAVERA RIDGE SAN ANTONIO, TX 78257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.66% |
| BILLYMARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.49% |
| THOMAS SNYDER3 | 9385 MILLER LANE GAFDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.14% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 115 | $703K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 115 | $703K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 115 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.