| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DR HOUMA, LA 70360 | UNITED HEALTHCARE INSURANCE COMPANY | $75K | $23K | $97K | 4.12% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | 1217 MUSEUM DR HOUMA, LA 70360 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 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 | $18K | — | $18K | 15.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | P O BOX 910 HOUMA, LA 70361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PKWY APT 204 EDEN PRARIE, MN 55344 | AFLAC | $26 | — | $26 | 13.13% |
| STEVE STAFFORD3 | 1309 COTTAGE DR HOUMA, LA 70360 | AFLAC | $12 | — | $12 | 6.06% |
| DARREN JOSEPH VERDIN3 | 4661 W PARK AVE STE A HOUMA, LA 70364 | AFLAC | $7 | — | $7 | 3.54% |
| JOHN J BASCLE3 | 430 CORPORATE DR STE C HOUMA, LA 70360 | AFLAC | $1 | — | $1 | 0.51% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PKWY APT 204 EDEN PRARIE, MN 55344 | AFLAC | $14 | — | $14 | 9.46% |
| STEVE STAFFORD3 | 1309 COTTAGE DR HOUMA, LA 70360 | AFLAC | $4 | — | $4 | 2.70% |
| DARREN JOSEPH VERDIN3 | 4661 W PARK AVE STE A HOUMA, LA 70364 | AFLAC | $4 | — | $4 | 2.70% |
| FELTON J SHORT3 | 108 ADOUE ST HOUMA, LA 70360 | AFLAC | $1 | — | $1 | 0.68% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 631 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 631 | $2.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 631 | $2.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 438 | $93K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 282 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $127K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 631 | $2.4M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 438 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.