| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS STREET STE 100 SHREVEPORT, LA 711013549 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 11.32% |
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS ST STE 100 SHREVEPORT, LA 711013549 | DELTA DENTAL PLAN OF ARKANSAS | $201 | — | $201 | 0.24% |
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS ST STE 100 SHREVEPORT, LA 711013549 | DELTA DENTAL PLAN OF ARKANSAS | $938 | — | $938 | 5.00% |
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS ST STE 100 SHREVEPORT, LA 711013549 | DELTA DENTAL PLAN OF ARKANSAS | $330 | — | $330 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFIT INC SERVICE PROVIDER | Insurance services Service code 23 | 27 CORPORATE HILL DR LITTLE ROCK, AR 72205 | $436K |
| RISK SERVICES OF LOUISIANA INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 400 TEXAS STREET STE 100 SHREVEPORT, LA 711013549 | $14K |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 390 | $85K |
| Vision(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 221 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 218 | $111K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $111K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $111K |
| Other | HARTFORD LIFE AND ACCIDENT | 218 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.