| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFIT PLANS INC3 | 1217 MUSEUM DR. HOUMA, LA 703606073 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 3.68% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | P. O. BOX 910 HOUMA, LA 70361 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 30.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.04% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | P. O. BOX 910 HOUMA, LA 70360 | COMPANION LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MERITAIN HEALTH5 | 9201 WATSON ROAD - STE 200 ST. LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $7K | $7K | 6.50% |
| CRESCENT DENTAL PLAN5 | P. O. BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE INSURANCE COMPANY | — | $4K | $4K | 3.50% |
| ASSOCIATED BENEFIT PLANS INC3 | 114 OAKDALE LP HOUMA, LA 703605931 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ASSOCIATED BENEFIT PLANS INC3 | 1217 MUSEUM DR. HOUMA, LA 70360 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| ASSOCIATED BENEFIT PLANS INC3 | 1217 MUSEUM DR. HOUMA, LA 70360 | FOUR EVER LIFE INS. CO. | $1K | — | $1K | 14.99% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 289 | $1.6M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 169 | $102K |
| Vision | NATIONAL GUARDIAN LIFE | 168 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 192 | $170K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 192 | $170K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 289 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 192 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.