| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $33K | $16K | $49K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 FLAGG PLACE STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $219 | $2K | 3.86% |
| JOEY MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $359 | $2K | 3.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.21% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | $172 | $1K | 1.85% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $88 | $545 | 0.93% |
| BETTY ROMERO3 | 100 LOREN AVE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $33 | $528 | 0.90% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 0.60% |
| REBECCA N SONGY3 | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $48 | $154 | 0.26% |
| JOEY MIGUES3 Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $28 | $151 | 0.26% |
| REID RICHARD SUTTON3 | 8014 ROD LAVER AVE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $3 | $39 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 FLAGG PLACE, SUITE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $63 | $451 | 14.24% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $58 | $281 | 8.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INSURAN | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 4.61% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $55 | $139 | 4.39% |
| GROUP VOLUNTARY BENEFITS LLC | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $28 | $105 | 3.32% |
| JOEY MIGUES Filed as: JOEY THOMAS MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $19 | $99 | 3.13% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 2.59% |
| REBECCA N SONGY3 Filed as: REBECCA SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $23 | $62 | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 FLAGG PLACE STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $8 | $148 | 5.85% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $14 | $84 | 3.32% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $9 | $61 | 2.41% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $3 | $34 | 1.34% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.36% |
| OMAR MENDOZA3 | 29326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.32% |
| BILLYMARK ROBERSON3 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.24% |
| REBECCA N SONGY3 Filed as: REBECCA SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 FLAGG PLACE, STE 2 LAFAYETTE, LA 70508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| THOMAS SNYDER3 | 9385 MILLER LANE GAFDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 119 | $785K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 119 | $785K |
| Life insurance(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $65K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 119 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
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.