| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 7910 MAIN STREET SUITE 300 HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $94K | $49K | $143K | 4.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DR HOUMA, LA 703606073 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $47K | $6K | $53K | 12.20% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | 1217 MUSEUM DR HOUMA, LA 703606073 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $22K | — | $22K | 12.01% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 899 | $3.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 388 | $185K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 451 | $435K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 451 | $435K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 451 | $435K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 899 | $3.1M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 451 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.