| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $19K | — | $19K | 7.80% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 Filed as: ALFORD STAPLES LAPEYRE ROBICHAUX | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $2K | $6K | $8K | 3.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF LA EIN 23-7384555 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | $170K |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 356 | $248K |
| Dental | BLUE CROSS BLUE SHIELD OF LOUISIANA | 356 | $248K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 356 | $248K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 356 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.