| 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 | $74K | $51K | $125K | 5.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 700096650 | COMPANION LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | 1217 MUSEUM DR HOUMA, LA 70360 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY J ALFORD INSURANCE COMPANY | P O BOX 910 HOUMA, LA 70361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | P O BOX 910 HOUMA, LA 70361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PKWY APT 204 EDEN PRARIE, MN 55344 | AFLAC | $288 | $11 | $299 | 15.56% |
| REED EDWARD DEROCHE3 | 5225 BAYOUSIDE DR. CHAUVIN, LA 70344 | AFLAC | $296 | — | $296 | 15.40% |
| STEVE STAFFORD3 | 1309 COTTAGE DR HOUMA, LA 70360 | AFLAC | $122 | — | $122 | 6.35% |
| DARREN JOSEPH VERDIN3 | 4661 W PARK AVE STE A HOUMA, LA 70364 | AFLAC | $77 | — | $77 | 4.01% |
| JOHN J BASCLE3 | 430 CORPORATE DR STE C HOUMA, LA 70360 | AFLAC | $6 | $2 | $8 | 0.42% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PKWY APT 204 EDEN PRARIE, MN 55344 | AFLAC | $142 | — | $142 | 8.94% |
| REED EDWARD DEROCHE3 | 5225 BAYUOSIDE DR CHAUVIN, LA 70344 | AFLAC | $103 | — | $103 | 6.48% |
| STEVE STAFFORD3 | 1309 COTTAGE DR HOUMA, LA 70360 | AFLAC | $43 | — | $43 | 2.71% |
| DARREN JOSEPH VERDIN3 | 4661 W PARK AVE STE A HOUMA, LA 70364 | AFLAC | $38 | — | $38 | 2.39% |
| FELTON J SHORT3 | 108 ADOUE ST HOUMA, LA 70360 | AFLAC | $6 | — | $6 | 0.38% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 411 | $2.5M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 690 | $164K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 690 | $164K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $41K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $61K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 411 | $2.5M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.