| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $76K | $31K | $107K | 28.00% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LANE KENNER, LA 70065 | AMERICAN PUBLIC LIFE | $46K | — | $46K | 61.35% |
| RIEHM BENEFITS LLC3 | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE | $4K | — | $4K | 4.98% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 9.26% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INSURANCE CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $103K | $14K | $117K | 551.39% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| MUSTIN BRIAN PATRICK3 | 5328 HWY 311 HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $743 | — | $743 | 3.66% |
| HEBERT KRISTI N3 | 588 B CORPORATE DRIVE HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $500 | — | $500 | 2.46% |
| CRESCENT CITY BENEFITS INS3 | 5213 TOBY LN KENNER, LA 70065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.57% |
| MUSTIN BRIAN PATRICK3 | 5328 HWY 311 HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $944 | — | $944 | 5.03% |
| HEBERT KRISTI N3 | 588 B CORPORATE DRIVE HOUMA, LA 70360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | — | $697 | 3.71% |
| BRIAN PATUREAU LLC3 | 229 RUE CHANTILLY COVINGTON, LA 70433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| MISTY DETIVEAUX3 Filed as: MISTY LYNN DETIVEAUX | 735 BAYOU DULARGE RD HOUMA, LA 70363 | AFLAC | $312 | — | $312 | 3.74% |
| TESSIE P CANTRELLE3 | 4661 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $198 | — | $198 | 2.37% |
| DARREN JOSEPH VERDIN3 | 4661 W PARK AVE BLDG A HOUMA, LA 70364 | AFLAC | $167 | — | $167 | 2.00% |
| MASON C LEE3 | 2507 NASH ST NW WILSON, NC 27896 | AFLAC | $74 | — | $74 | 0.89% |
| CORY C BROUSSARD3 | 3415 VALERY RD NEW IBERIA, LA 70560 | AFLAC | $59 | — | $59 | 0.71% |
| HEATHER BASCLE3 Filed as: HEATHER L BASCLE | 1363 DOCYOR BEATROUS RD THERIOT, LA 70397 | AFLAC | $37 | — | $37 | 0.44% |
| ROGER A PISANI3 | 1207 BROYLES ST YOUNGSVILLE, LA 70592 | AFLAC | $31 | — | $31 | 0.37% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $30 | — | $30 | 0.36% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $29 | — | $29 | 0.35% |
| JOHN J BASCLE3 Filed as: JOHN JUDE BASCLE | 1363 DOCTOR BEATROUS RD THERIOT, LA 70397 | AFLAC | $26 | — | $26 | 0.31% |
| FRANKLIN W STOUTE3 | 2388 PEACH BLOOM HWY CHURCH POINT, LA 70525 | AFLAC | $16 | — | $16 | 0.19% |
| JUNE ZERINGUE3 | 132 ORMOND MEADOWS DR DESTREHAN, LA 70047 | AFLAC | $11 | — | $11 | 0.13% |
| ERROL B WILKEN3 | 5204 CRAIG AVE KENNER, LA 70065 | AFLAC | $3 | — | $3 | 0.04% |
| BLAZE J FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $2 | — | $2 | 0.02% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $2 | — | $2 | 0.02% |
| BYRON KEITH BURRELL3 | 364 ARKAVALLEY RD GREENBRIER, AZ 72058 | AFLAC | $2 | — | $2 | 0.02% |
| RYAN BENTON WILLIAMS3 | 12526 LAKE LAMOND AVE BATON ROUGE, LA 70884 | AFLAC | $2 | — | $2 | 0.02% |
| TERRY JAMES LAPORTE3 | 1007 HUGH DR SAINT MARTINVILLE, LA 70582 | AFLAC | $1 | — | $1 | 0.01% |
| KATHY M ROBINSON3 | 4029 CLERMONT DRIVE NEW ORLEANS, LA 70122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 1.69% |
| MISTY DETIVEAUX3 | 735 BAYOU DULARGE RD HOUMA, LA 70363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 1.48% |
| JEREMY M PARFAIT3 | 3500 N CAUSEWAY BLVD SUITE 1200 METAIRIE, LA 70002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.85% |
| DEBORAH KASS3 | 757 HOLYOKE PL GRETNA, LA 70056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.85% |
| DARREN JOSEPH VERDIN3 Filed as: DARREN VERDIN | 4661 WEST PARK AVE STE A HOUMA, LA 70364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.74% |
| SHAWN M VINJU3 | 3500 N CAUSEWAY BLVD METAIRIE, LA 70001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.63% |
| JAMES E VOGELAAR3 | 4029 CLERMONT DRIVE METAIRIE, LA 70001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.42% |
| MISTY DETIVEAUX3 | 735 BAYOU DULARGE RD HOUMA, LA 70363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.32% |
| BRITTANY A TALLENT3 | 1814 EASTERN HILLS GARLAND, TX 75043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.32% |
| TESSIE P CANTRELLE3 | 1340 WEST TUNNEL BLVD SUITE 650 HOUMA, LA 70360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| HEC BENEFIT SOLUTIONS LLC3 | PO BOX 84478 BATON ROUGE, LA 70884 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| SIEGAN J VERGENAL3 | 172 HERITAGE PARKWAY BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| ROGER A PISANI3 | 809 LUCERNE DRIVE NEW IBERIA, LA 70563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| CINDY ATWELL3 | 4655 7TH ST LAS VEGAS, NM 87701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 1,283 | $278K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,283 | $21K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 451 | $57K |
| Short-term disability(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 461 | $486K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 461 | $382K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,283 | $21K |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE | 159 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,283 | — |
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.