| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.42% |
| BENEFIT CONSULTING SERVICES LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $30K | — | $30K | 14.00% |
| BENEFIT CONSULTING SERVICES LLC3 | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BENEFIT CONSULTING SERVICES LLC3 | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BENEFIT CONSULTING SERVICES LLC3 | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.08% |
| PAMELA T ARMSTRONG3 Filed as: PAMELA TATE ARMSTRONG | 113 ANTIETAM DRIVE BOSSIER CITY, LA 71112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.23% |
| TRACI LEBLANC3 Filed as: TRACI L LEBLANC | 255 RAINBOW DRIVE NO 15586 LIVINGSTON, TX 77399 | CONTINENTAL AMERICAN INSURANCE COMPANY | $637 | — | $637 | 0.69% |
| SYLVIA PITCHFORD-HURD3 Filed as: SYLVIA JANE PITCHFORD-HURD | 957 SHERIDAN STREET SHREVEPORT, LA 71104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 0.43% |
| DAVID E CIAMPOLI3 Filed as: DAVID EDWARD CIAMPOLI JR | 1204 BIG OAK DRIVE ALMA, AR 72921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.18% |
| MICHAEL SCHROEDER3 | 2303 ASHLAND AVENUE BOSSIER CITY, LA 71111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.09% |
| MARCUS ALLEN THOMAS3 | 4091 HOGAN DRIVE UNIT 3208 TYLER, TX 75709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| KEVIN SCHROEDER3 | 9740 HORTON ROAD KEITHVILLE, LA 71047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| BENEFIT CONSULTING SERVICES LLC3 | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| BENEFIT CONSULTING SERVICES LLC3 | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING SERVICES, LLC | 1041 CHINABERRY DRIVE SUITE 300 BOSSIER CITY, LA 71111 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 373 | $212K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 543 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $213K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $109K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $441K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.