| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | STARMOUNT LIFE INSURANCE COMPANY | $108K | — | $108K | 7.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | STARMOUNT LIFE INSURANCE COMPANY | $20K | — | $20K | 1.45% |
| MJ INSURANCE3 Filed as: KEITH BELLE AND VARIOUS AGENTS | 302 LA RUE FRANCE, SUITE 100 LAFAYETTE, LA 70508 | AFLAC | $31K | $150 | $31K | 5.06% |
| JAMES VERGENAL3 | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | AFLAC | $18K | $229 | $18K | 2.96% |
| DAVID LAVIGNE3 | 210 ELYSIAN FIELDS DRIVE LAFAYETTE, LA 70508 | AFLAC | $14K | $184 | $14K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AFLAC | $11K | — | $11K | 1.88% |
| ROGER A PISANI3 Filed as: ROGER PISANI | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $6K | $69 | $6K | 1.04% |
| ANGELA MARIE VERGENAL3 Filed as: ANGELA VERGENAL | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | AFLAC | $3K | — | $3K | 0.52% |
| BLAZE FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $2K | — | $2K | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | THE HARTFORD LIFE AND ACCIDENT | $56K | — | $56K | 9.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | THE HARTFORD LIFE AND ACCIDENT | $5K | $10K | $15K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | THE HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.33% |
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 | 1,679 | 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) | 1,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,461 | $1.4M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,461 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 1,979 | $1.2M |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 1,979 | $605K |
| Other | THE HARTFORD LIFE AND ACCIDENT | 1,979 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,979 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.