D & S Marine Service, LLC
Updated Filing received by DOL
D & S Marine Service, LLC, a transportation — truck & rail employer in Gray, Louisiana, reported 177 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.7M in insurance premiums across 4 contracts and $158,635 in broker commissions and fees, 5.2% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 14, 2026, within the extension window.
Who was paid on D & S Marine Service, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract D & S Marine Service, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Anthony J Alford Insurance Corp · Houma, LA | $118,089 | $23,992 | $142,081 | 4 |
| South Louisiana Financial Services · Houma, LA | $0 | $5,417 | $5,417 | 1 |
| James Boyd · Thibodaux, LA | $872 | $2,340 | $3,212 | 1 |
| Charles Berry · Vacherie, LA | $1,199 | $1,473 | $2,672 | 1 |
| Superior Group Benefits LLC · Metairie, LA | $951 | $1,307 | $2,258 | 1 |
| Vanessa Maria Warner · Haughton, LA | $1,295 | $887 | $2,182 | 1 |
| Misty Oliver · Vacherie, LA | $234 | $82 | $316 | 1 |
| Amber Giroir Poche · Thibodaux, LA | $234 | $54 | $288 | 1 |
| Michael Jason Homer · Vacherie, LA | $171 | $0 | $171 | 1 |
| Img · Indianapolis, IN | $0 | $38 | $38 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Louisianahealth, prescription drug | 347 | $1.7M | $90,254 | 5.2% |
| Sun Life Assurance Company of Canadadental, vision | 149 | — | $9,386 | — |
| Prudential Insurance Company of Americalife, short-term disability, long-term disability | 171 | — | $37,628 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 66 | — | $21,367 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How D & S Marine Service, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $5,010 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 164 | 177 | +7.9% |
| Premiums filed | $1,533,238 | $1,738,416 | +13.4% |
| Broker commissions + fees | $142,166 | $158,635 | +11.6% |
| Commission rate | 3.2% | 5.2% | +2.0 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| D & S Marine Service - Welfare & Benefit Plan#520 · insurance, general assets | September 30, 2025 | July 14, 2026 | within extension | 177 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did D & S Marine Service, LLC pay in health insurance broker commissions in 2024?
D & S Marine Service, LLC's 2024 Form 5500 reports $158,635 in broker commissions and fees across 4 insurance contracts ($123,045 in commissions, $35,590 in fees), with Anthony J Alford Insurance Corp receiving the largest share.
Is D & S Marine Service, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross and Blue Shield of Louisiana.
How does D & S Marine Service, LLC's broker compensation compare with similar employers?
D & S Marine Service, LLC paid 5.2% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Louisiana is 5.0%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.