| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $25K | $23K | $48K | 6.71% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.98% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DRIVE HOUMA, LA 70360 | GULF GUARANTY LIFE | $9K | $0 | $9K | 15.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $860 | $13K | 26.83% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 27.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $717 | $10K | 26.84% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | PO BOX 910 HOUMA, LA 70361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $121 | $2K | 26.87% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 106 | $712K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 134 | $62K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 134 | $62K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $47K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 106 | $712K |
| Other(4 contracts, 3 carriers) | GULF GUARANTY LIFE | 197 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.