| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ONE LLC3 Filed as: BENEFITS.ONE, LLC | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $29K | $17K | $46K | 3.64% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $27K | $0 | $27K | 2.15% |
| BENEFIT ANALYST LLC3 | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $0 | $2K | $2K | 0.17% |
| JULIAN HERMAN GOOD3 | 3123 DESOTO STREET NEW ORLEANS, LA 70119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.69% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.99% |
| BENEFITS ONE LLC3 Filed as: BENEFITS ONE, LLC | 714 MILLIKENS BEND COVINGTON, LA 70433 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$20 | $0 | -$20 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMIN/FSA | Contract Administrator Service code 13 | — | $1K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 168 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $223K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $223K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $223K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $223K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 168 | $1.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.