| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $20K | $10K | $30K | 3.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $10K | — | $10K | 1.17% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J. ALFORD INSURANCE CORP. | 1217 MUSEUM DRIVE HOUMA, LA 70360 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.42% |
| MGIS3 | 11 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.15% |
| ANTHONY J ALFRED INS CORP3 Filed as: ANTHONY ALFORD | 225 OUISKI BAYOU DRIVE HOUMA, LA 70360 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.08% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.49% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $266 | $266 | 1.06% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 123 | $858K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 254 | $75K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 254 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $124K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $124K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $124K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 123 | $858K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.