| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $2K | $46K | 4.77% |
| SCOTT D LAGRANGE3 | 107 CHASE DR. LAFAYETTE, LA 70507 | AFLAC | $5K | — | $5K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | AFLAC | $4K | — | $4K | 5.17% |
| MORGAN BRENKE3 | 216 COUNTRY PARK DR YOUNGSVILLE, LA 70592 | AFLAC | $2K | $497 | $3K | 3.11% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $1K | $120 | $2K | 1.76% |
| MICHELLE A BAUGHMAN3 Filed as: MICHELLE BAUGHMAN | 109 BAKER ST BROUSSARD, LA 70518 | AFLAC | $603 | $16 | $619 | 0.72% |
| KEITH WILLIAM BELLE3 | 302 LA RUE FRANCE STE 100 LAFAYETTE, LA 70508 | AFLAC | $296 | — | $296 | 0.35% |
| SHANNON HERNANDEZ3 | PO BOX 203 BROOKSVILLE, FL 34605 | AFLAC | $15 | — | $15 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 600 CHICAGO, IL 60604 | AFLAC | $14 | — | $14 | 0.02% |
| BRANTLEY R SALTER3 | 10631 MCGUIRE AVE BATON ROUGE, LA 70810 | AFLAC | $10 | — | $10 | 0.01% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | AFLAC | $10 | — | $10 | 0.01% |
| BARRY J STEWART3 | 9507 HIGH POINT RD BATON ROUGE, LA 70810 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID MARKS3 | 3011 CANEWOOD LN BATON ROUGE, LA 70810 | AFLAC | $9 | — | $9 | 0.01% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT C MARTINA3 | 4924 CLEVELAND PL METAIRIE, LA 70003 | AFLAC | $4 | — | $4 | 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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $974K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $974K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $974K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $974K |
| Short-term disability | AFLAC | 43 | $86K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $974K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.