| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS PLAN, INC3 Filed as: ASSOCIATED BENEFITS PLAN, INC. | 1217 MUSEUM HOUMA, LA 70360 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | $11K | $34K | 30.00% |
| ALFORD, STAPLES, LAPEYRE & ROBICHAU3 | P O BOX 910 HOUMA, LA 70360 | COMPANION LIFE | $8K | — | $8K | 10.00% |
| MERITAIN HEALTH5 | 9201 WATSON RD. SUITE 200 ST LOUIS, MO 63126 | COMPANION LIFE | $5K | — | $5K | 6.50% |
| CRESCENT DENTAL PLAN3 | P O BOX 2140 MANDEVILLE, LA 704702140 | COMPANION LIFE | $4K | — | $4K | 5.50% |
| ASSOCIATED BENEFITS PLAN, INC3 | 1217 MUSEUM HOUMA, LA 70360 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 10.86% |
| ALFORD, STAPLES, LAPEYRE & ROBICHAU3 | P O BOX 910 HOUMA, LA 70361 | COMPANION LIFE | $2K | — | $2K | 32.96% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT DENTAL INSURANCE | P O BOX 2140 MANDEVILLE, LA 70471 | COMPANION LIFE | $459 | — | $459 | 7.55% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE | 290 | $76K |
| Vision | NATIONAL GUARDIAN LIFE | 160 | $20K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 185 | $113K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 185 | $113K |
| Other | COMPANION LIFE | 28 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.