| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | AFLAC | $14K | $726 | $15K | 3.82% |
| MATTHEW R FONTENOT3 | 2924 LINWOOD LOOP OPELOUSAS, LA 70570 | AFLAC | $14K | $711 | $14K | 3.79% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE, STE 100 LAFAYETTE, LA 70508 | AFLAC | $7K | $461 | $7K | 1.93% |
| MIA M FONTENOT3 | 2924 LINWOOD LOOP OPELOUSAS, LA 70570 | AFLAC | $6K | $81 | $6K | 1.52% |
| TERRY JAMES LAPORTE3 Filed as: TERRY JAMES THERIOT | 1082 JOE MOUTON RD SAINT MARTINVILLE, LA 70592 | AFLAC | $4K | $330 | $5K | 1.22% |
| LEILANI THERIOT3 | 1017 SOLOMON ST BREAUX BRIDGE, LA 70517 | AFLAC | $4K | $203 | $5K | 1.20% |
| CARLOS D ESPINOSA3 | 17103 VERDE PARK LN CYPRESS, TX 77433 | AFLAC | $4K | $53 | $4K | 1.11% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | AFLAC | $3K | $0 | $3K | 0.69% |
| SHERRY DEAN HOMAN3 | 1307 THOMASSEE RD ARNAUDVILLE, LA 70512 | AFLAC | $3K | $0 | $3K | 0.66% |
| JEANNE LANDRY3 | 110 CASCADE PALM CT YOUNGSVILLE, LA 70592 | AFLAC | $2K | $203 | $2K | 0.63% |
| THEODORE AUTHEMENT3 | 800 RYAN ST STE 200 LAKE CHARLES, LA 70601 | AFLAC | $1K | $0 | $1K | 0.31% |
| BLAZE J FREMIN3 | P O BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $795 | $0 | $795 | 0.21% |
| TAMMY M GASPARD3 | 501 OAK MANOR DR NEW IBERIA, LA 70563 | AFLAC | $643 | $0 | $643 | 0.17% |
| MICHELLE A BAUGHMAN3 | 109 BAKER ST BROUSSARD, LA 70518 | AFLAC | $602 | $0 | $602 | 0.16% |
| LUIS SOTO3 | 7018 KEMPER DR PASADENA, TX 77505 | AFLAC | $340 | $0 | $340 | 0.09% |
| SOUTH CENTRAL INSURANCE BROKERS LLC3 | 305 E 3RD ST CROWLEY, LA 70526 | AFLAC | $325 | $0 | $325 | 0.09% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DR SAINT MARTINVILLE, LA 70582 | AFLAC | $311 | $0 | $311 | 0.08% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $259 | $0 | $259 | 0.07% |
| FRANKLIN W STOUTE3 | 2388 PEACH BLOOM HWY CHURCH POINT, LA 70525 | AFLAC | $241 | $0 | $241 | 0.06% |
| ADRIAN S JOHNSON3 | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $219 | $0 | $219 | 0.06% |
| TYRA ANN MEEHAN3 | 12018 HAYWARDS DR MAURICE, LA 70555 | AFLAC | $192 | $0 | $192 | 0.05% |
| ROGER A PISANI3 | 118 HARVEY CAY LN YOUNGSVILLE, LA 70592 | AFLAC | $183 | $0 | $183 | 0.05% |
| CANDACE M MECHE3 | 100 TALON RD YOUNGSVILLE, LA 70592 | AFLAC | $169 | $0 | $169 | 0.04% |
| MORGAN BRENKE3 | 216 COUNTRY PARK DR YOUNGSVILLE, LA 70592 | AFLAC | $152 | $0 | $152 | 0.04% |
| CHRISTY FAYE MELANCON3 | 1017 GERARD LN BREAUX BRIDGE, LA 70517 | AFLAC | $141 | $0 | $141 | 0.04% |
| HEATHER NEDDEAU3 | 20518 N BLUE HYACINTH DR CYPRESS, TN 77433 | AFLAC | $124 | $0 | $124 | 0.03% |
| LACEY A FONTENOT3 | 5264 HIGHWAY 182 OPELOUSAS, LA 70570 | AFLAC | $117 | $0 | $117 | 0.03% |
| KIMBERLY BOURQUE SMITH3 | 642 CLARENCE CORMIER RD CARENCRO, LA 70520 | AFLAC | $91 | $0 | $91 | 0.02% |
| ROGER A PISANI3 | 1207 BROYLES ST YOUNGSVILLE, LA 70592 | AFLAC | $87 | $0 | $87 | 0.02% |
| KAMI HEBERT3 | 109 MARGARET STREET LAFAYETTE, LA 70501 | AFLAC | $65 | $0 | $65 | 0.02% |
| JOHANN Y RESTITUYO3 | 19403 ALTON SPRINGS RD CYPRESS, TX 77433 | AFLAC | $42 | $12 | $54 | 0.01% |
| CARLOS IPARRAGUIRRE3 | 931 ROSEDOWN LN LAFAYETTE, LA 70503 | AFLAC | $49 | $0 | $49 | 0.01% |
| CHATLAIN LEBLANC3 | 1008 S COLLEGE RD APT 212 LAFAYETTE, LA 70503 | AFLAC | $46 | $0 | $46 | 0.01% |
| JOHN A DONALDSON3 | 2004 98PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $38 | $0 | $38 | 0.01% |
| SHELBY KENNEDY3 | 522 SAINT PATRICK ST LAFAYETTE, LA 70506 | AFLAC | $31 | $0 | $31 | 0.01% |
| JESSE E CROUCH3 | 208 OAK BROOK BLVD LAYFAYETTE, LA 70508 | AFLAC | $21 | $0 | $21 | 0.01% |
| PATRICK J NEWSOM3 | 368 HIGHLAND OAKS AVE GRAY, LA 70359 | AFLAC | $20 | $0 | $20 | 0.01% |
| CRISTINA BROUSSARD3 Filed as: CRISTINA N BROUSSARD | 825 BLUEBONNET ST LAKE CHARLES, LA 70611 | AFLAC | $18 | $0 | $18 | 0.00% |
| MELISSA STEWART3 Filed as: MELISSA VINCENT STEWART | 1616 DEERFIELD DR LAKE CHARLES, LA 70611 | AFLAC | $9 | $0 | $9 | 0.00% |
| JOSHUA HEBERT3 | 616 SIMAR ST IOTA, LA 70543 | AFLAC | $7 | $0 | $7 | 0.00% |
| LISA SARRADET NEWSOM3 | 104 ARAPAHOE DR LAFAYETTE, LA 70503 | AFLAC | $7 | $0 | $7 | 0.00% |
| KAY LANDRY3 | 1115 CLAYTON CASTILLE RD BREAUX BRIDGE, LA 70517 | AFLAC | $6 | $0 | $6 | 0.00% |
| PATRICK J NEWSOM3 | 2506 VIDA SHAW RD NEW IBERIA, LA 70563 | AFLAC | $4 | $0 | $4 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY INC. | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $23K | 7.81% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 9.93% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 631 | $690K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $293K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $293K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 775 | $392K |
| Short-term disability | AFLAC | 356 | $380K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 631 | $690K |
| Other(2 contracts, 2 carriers) | AFLAC | 775 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.