| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAY BABCOCK3 | ELLSWORTH CORPORATION 3636 SOUTH I-10 SERVICE ROAD WEST S METAIRIE, LA 70001 | SCRIPT CARE, LTD | — | $54K | $54K | 3.63% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J ALFORD INSCORP | 1217 MUSEUM DR HOUMA, LA 70360 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $75K | $2K | $77K | 5.21% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | 1217 MUSEUM DRIVE HOUMA, LA 70360 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $73K | $73K | 5.00% |
| ELLSWORTH CORPORATION3 Filed as: ELLSWORTH CORP | 3636 S I 10 SERVICE RD STE 101 METAIRIE, LA 70001 | HM LIFE INSURANCE COMPANY | $110K | — | $110K | 13.00% |
| ELLSWORTH CORPORATION3 | — | DELTA DENTAL INSURANCE COMPANY | $27K | — | $27K | 8.00% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.24% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 530 | $343K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $64K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 576 | $1.5M |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 576 | $1.5M |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 576 | $1.5M |
| Prescription drug | SCRIPT CARE, LTD | 1,603 | $1.5M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 584 | $843K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 576 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,603 | — |
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.