| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFIT PLANS INC3 Filed as: ASSOCIATED BENEFIT PLANS, INC. | 1217 MUSEUM HOUMA, LA 70360 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $8K | $24K | 20.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES. INC | UNKNOWN MANDEVILLE, LA 70471 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 6.62% |
| ALFORD, STAPLES, LAPEYRE & ROBICHAU3 | PO BOX 910 HOUMA, LA 70360 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.29% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | COMPANION LIFE INSURANCE COMPANY | — | $4K | $4K | 5.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 11100 MEAD ROAD BATON ROUGE, LA 70816 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| ASSOCIATED BENEFIT PLANS INC3 Filed as: ASSOCIATED BENEFIT PLANS, INC. | 1217 MUSEUM HOUMA, LA 70360 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 8.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE | $417 | — | $417 | 2.16% |
| ALFORD STAPLES LAPEYRE & ROBICHAUX3 | PO BOX 910 HOUMA, LA 70361 | COMPANION LIFE | $1K | $8 | $1K | 26.67% |
| CRESCENT DENTAL PLAN3 Filed as: CRESCENT DENTAL INSURANCE | PO BOX 2140 MANDEVILLE, LA 70471 | COMPANION LIFE | $330 | $2 | $332 | 6.42% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 216 | $78K |
| Vision | NATIONAL GUARDIAN LIFE | 171 | $19K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 221 | $84K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $120K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $120K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 221 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
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.