| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: BLAZE J. FREMIN AND VARIOUS AGENTS | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $42K | $5K | $46K | 7.58% |
| DAVID LAVIGNE3 Filed as: DAVID M. LAVIGNE | 210 ELYSIAN FIELDS DRIVE LAFAYETTE, LA 70508 | AFLAC | $12K | $1K | $13K | 2.16% |
| JAMES VERGENAL3 Filed as: JAMES A. VERGENAL | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | AFLAC | $12K | $570 | $13K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AFLAC | $6K | — | $6K | 1.03% |
| ROGER A PISANI3 Filed as: ROGER A. PISANI | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $6K | $486 | $6K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $5K | — | $5K | 0.85% |
| MJ INSURANCE3 Filed as: ANGELA VERGENAL AND VARIOUS AGENTS | 911 DARTEZ DRIVE NEW IBERIA, LA 70505 | AFLAC | $4K | $640 | $5K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | STARMOUNT LIFE INSURANCE COMPANY | $79K | — | $79K | 20.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | STARMOUNT LIFE INSURANCE COMPANY | $39K | — | $39K | 10.15% |
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 | 1,564 | 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) | 1,564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,287 | $382K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,287 | $382K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 1,980 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,980 | $513K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,980 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,980 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.