| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA STREET METAIRIE, LA 70006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $14K | $35K | 3.35% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA STREET METAIRIE, LA 70124 | SIRIUSPOINT AMERICA INSURANCE COMPANY | $97K | — | $97K | 13.00% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J. ALFORD DBA ANTHONY J | ANTHONY J ALFORD INS CORP PO BOX 910 HOUMA, LA 70361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 5.45% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA STREET METAIRIE, LA 70006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $14K | $26K | 4.06% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | — | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 0.92% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | PO BOX 910 HOUMA, LA 70361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 7.57% |
| BABCOCKN CONSULTING GROUP3 | 5020 UTICA STREET METAIRIE, LA 70006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $8K | $14K | 5.18% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J. ALFORD DBA ANTHONY J | ALFORD INSURANCE 1217 MUSEUM DRIVE HOUMA, LA 70360 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $5K | — | $5K | 9.29% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA STREET METAIRIE, LA 70006 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $406 | — | $406 | 0.71% |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 467 | $320K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 403 | $57K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $274K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 628 | $646K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 628 | $1.0M |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 665 | $744K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.