| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J ALFORD INSURANCE CORPORAT | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BEST LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 9.87% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 28.95% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J ALFORD INSURANCE CORPORAT | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $17K | 29.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 29.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $630 | $4K | 29.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE & HEALTH INSURANCE EIN 91-6034263 HEALTH INSURANCE PROVIDER | Insurance services Service code 23 | — | $272K |
| ANTHONY J ALFORD INSURANCE CORP EIN 72-1279654 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 127 MUSEUM DR HOUMA, LA 70360 | $140K |
| ASSURED BENEFIT ADMINISTRATORS INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $63K |
| TRINITY CAPTIVE GROUP LLC EIN 86-2864118 INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $54K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $41K |
| JCT BAKER CORPORATION EIN 83-0558990 INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $21K |
| UNIVERSAL ASSURANCE LLC EIN 87-4667762 INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| 247 CALL A DOC LLC EIN 82-4884646 INSURANCE ADMINISTRATION | Insurance brokerage commissions and fees Service code 53 | — | $5K |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BEST LIFE AND HEALTH INSURANCE COMPANY | 405 | $109K |
| Vision | BEST LIFE AND HEALTH INSURANCE COMPANY | 405 | $109K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $83K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $83K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $57K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.