| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE SUITE 200 BATON ROUGE, LA 70810 | STARMOUNT LIFE INSURANCE COMPANY | $107K | $0 | $107K | 9.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | HARTFORD LIFE AND ACCIDENT | $60K | $0 | $60K | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 2.00% |
| MJ INSURANCE3 Filed as: FRANKLIN STOUTE AND VARIOUS AGENTS | 2388 PEACH BLOOM HIGHWAY CHURCH POINT, LA 70525 | AFLAC | $17K | $67 | $17K | 5.38% |
| JAMES VERGENAL3 | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | AFLAC | $7K | $344 | $7K | 2.38% |
| DAVID LAVIGNE3 | 210 ELYSIAN FIELDS DRIVE LAFAYETTE, LA 70508 | AFLAC | $6K | $254 | $6K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $5K | $0 | $5K | 1.65% |
| ROGER A PISANI3 Filed as: ROGER PISANI | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $3K | $105 | $3K | 0.95% |
| ANGELA MARIE VERGENAL3 Filed as: ANGELA VERGENAL | 911 DARTEZ DRIVE NEW IBERIA, LA 70563 | AFLAC | $2K | $0 | $2K | 0.49% |
| BLAZE FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $955 | $0 | $955 | 0.31% |
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 | 1,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,555 | $1.2M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,555 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,027 | $855K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,027 | $855K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,027 | $855K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,027 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.