| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 25.10% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | PO BOX 910 HOUMA, LA 70360 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| MERITAIN HEALTH3 | 2901 WATSON RD STE 200 ST LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 6.50% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 4.50% |
| KEITH PONTIFF3 | 7910 MAIN STREET SUITE 308 HOUMA, LA 70360 | MONUMENTAL LIFE INSURANCE COMPANY | $777 | — | $777 | 5.04% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 135 | $24K |
| Life insurance | MONUMENTAL LIFE INSURANCE COMPANY | 53 | $15K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $42K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.