| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFIT PLANS INC3 | 1217 MUSEUM DR. HOUMA, LA 703606073 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 4.37% |
| 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 | — | $69 | $69 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KEN STAPLES BROWN & BROWN OF LA | P. O. BOX 1269 HOUMA, LA 70361 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 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 | 1217 MUSEUM DR. HOUMA, LA 70360 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 10.00% |
| ASSOCIATED BENEFIT PLANS INC3 | 1217 MUSEUM DR. HOUMA, LA 70360 | FOUR EVER LIFE INS. CO. | $1K | — | $1K | 15.00% |
| ASSOCIATED BENEFIT PLANS INC3 | 114 OAKDALE LP HOUMA, LA 703605931 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 302 | $1.4M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 173 | $109K |
| Vision | NATIONAL GUARDIAN LIFE | 182 | $18K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 204 | $171K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 204 | $171K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 302 | $1.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 206 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.