| 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 | — | $51K | $51K | 4.72% |
| 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 | 3636 SOUTH I-10 SERVICE ROAD SUITE 100 METAIRIE, LA 70001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $9K | $43K | 9.20% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH I-10 SERVICE ROAD SUITE 100 METAIRIE, LA 70001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $5K | $26K | 9.21% |
| ELLSWORTH CORPORATION3 | 3636 SOUTH I-10 SERVICE ROAD SUITE 100 METAIRIE, LA 70001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $6K | $26K | 9.52% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | AMERITAS LIFE INSURANCE CORP. | $22K | — | $22K | 10.00% |
| ELLSWORTH CORPORATION3 | PO BOX 8210 METAIRIE, LA 70011 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.86% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 588 | $223K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,132 | $64K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 614 | $276K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 614 | $283K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 572 | $468K |
| Prescription drug | SCRIPT CARE, LTD | 1,540 | $1.1M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 645 | $850K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 614 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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.