Peppers Unlimited of Louisiana, Inc.
Updated Filing received by DOL
Peppers Unlimited of Louisiana, Inc., a manufacturing — food & textile employer in Saint Martinville, Louisiana, reported 116 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.1M in insurance premiums across 7 contracts and $92,291 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 26, 2026, before the deadline.
Who was paid on Peppers Unlimited of Louisiana, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Peppers Unlimited of Louisiana, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · Lafayette, LA | $45,695 | $22,411 | $68,106 | 7 |
| Joey Migues · Broussard, LA | $3,887 | $3,767 | $7,654 | 2 |
| Joshua Gerard Viator · Youngsville, LA | $3,553 | $858 | $4,411 | 2 |
| Joey Thomas Migues · Broussard, LA | $2,499 | $282 | $2,781 | 2 |
| Group Voluntary Benefits LLC · Springfield, LA | $2,009 | $600 | $2,609 | 2 |
| Jodie Migues · Broussard, LA | $1,982 | $0 | $1,982 | 2 |
| Scott Chambers · New Iberia, LA | $769 | $14 | $783 | 2 |
| Rebecca Songy · New Orleans, LA | $227 | $196 | $423 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of Louisianahealth | 116 | $1.1M | $39,632 | 3.5% |
| Blue Cross Blue Shield of Louisianadental | 113 | — | $5,024 | — |
| Blue Cross Blue Shield of Louisianacoverage not coded | 93 | — | $961 | — |
| Equitablelife | 173 | — | $5,605 | — |
| Equitablelong-term disability | 173 | — | $5,888 | — |
| Colonial Life & Accident Insurance Companyhealth | 14 | — | $5,114 | — |
| Colonial Life & Accident Insurance Companyhealth | 91 | — | $30,067 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Peppers Unlimited of Louisiana, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $9,762 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 143 | 116 | −18.9% |
| Premiums filed | $1,107,156 | $1,132,348 | not comparable |
| Broker commissions + fees | $138,609 | $92,291 | −33.4% |
| Commission rate | 6.4% | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Peppers Unlimited of Louisiana Inc Group Insurance Plan#501 · insurance | December 31, 2025 | June 26, 2026 | before deadline | 116 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Peppers Unlimited of Louisiana, Inc. pay in health insurance broker commissions in 2025?
Peppers Unlimited of Louisiana, Inc.'s 2025 Form 5500 reports $92,291 in broker commissions and fees across 7 insurance contracts ($81,263 in commissions, $11,028 in fees), with AssuredPartners receiving the largest share.
Is Peppers Unlimited of Louisiana, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of Louisiana, Colonial Life & Accident Insurance Company.
How does Peppers Unlimited of Louisiana, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Peppers Unlimited of Louisiana, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.