| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 Filed as: ALFORD, STAPLES AND LAPEYRE | 1217 MUSEUM DRIVE HOUMA, LA 70360 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $23K | $30K | 6.41% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $608 | $11K | 2.43% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J. ALFORD INSCORP | 1217 MUESUM DRIVE HOUMA, LA 70360 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.30% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 Filed as: ALFORD, STAPLES AND LAPEYRE | PO BOX 910 HOUMA, LA 70361 | COMPANION LIFE INSURANCE COMPANY | $40K | $8 | $40K | 16.00% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT DENTAL INSURANCE | PO BOX 2140 MANDEVILLE, LA 70471 | COMPANION LIFE INSURANCE COMPANY | $10K | $2 | $10K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 3960 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.19% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES, INC. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.18% |
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 | 998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 601 | $72K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 998 | $599K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 529 | $249K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 589 | $463K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 998 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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.