| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DR HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $49K | — | $49K | 3.20% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | 1217 MUSEUM DR HOUMA, LA 70360 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 38.02% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $31 | $31 | 0.02% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DR HOUMA, LA 70360 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.13% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS | 5213 TOBY LN KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 43.71% |
| STEPHANIE HEBERT INSURANCE AGENCY3 | PO BOX 4055 HOUMA, LA 70361 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 27.13% |
| RIEHM BENEFITS LLC3 | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 6.98% |
| CRESCENT CITY BENEFITS INS3 Filed as: CRESCENT CITY BENEFITS INS. | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $436 | — | $436 | 6.55% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 2.57% |
| KRISTI N. HEBERT3 Filed as: KRISTI N HEBERT | 588 B CORPORATE DR. HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.74% |
| JEFF PATUREAU3 | 112 KIMBLE ST, APARTMENT B BELLE CHASE, LA 70037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.63% |
| BRYAN E PULLARO3 | 6218 W MAIN ST. HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MICHAEL TROY TRAHAN SR.3 | 12630 20TH ST. E PARRISH, FL 34219 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 349 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $91K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $91K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $210K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $193K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $187K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 349 | $1.5M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 15 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
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.