| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $15K | $3K | $18K | 3.84% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL OF LA, INC. | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $2K | $2K | 0.41% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET FORT WORTH, TX 76102 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $698 | $5K | 11.93% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SHEMWELL DAVID CLAYTON3 Filed as: SHEMWELL DAVID CLAYTON 7R670 | 2483 TOWER DRIVE, UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 30.60% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FRWY, SUITE 1940 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| SHEMWELL DAVID CLAYTON3 Filed as: SHEMWELL DAVID CLAYTON 7L640 | 2483 TOWER DRIVE, UNIT 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | — | $281 | 0.97% |
| KNOTTS JO NELL3 | 235 WELHAM TRACE BOSSIER CITY, LA 71112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 0.83% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC. | 2250 HOSPITAL DRIVE, SUITE 120 BOSSIER CITY, LA 71111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 0.79% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | CSZ FORT WORTH, TX 76102 | EQUITABLE FINANCIAL LIFE INSURANCE | $3K | — | $3K | 14.70% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING CO. | CSZ BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE | $1K | — | $1K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA BUSINESS BENEFIT | 2483 TOWER DR. STE 5 MONROE, LA 712015773 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA GARCEAU INS. AGEN | P.O. BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 0.81% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 58 | $456K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 88 | $41K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 88 | $41K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 212 | $69K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 80 | $16K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 212 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 58 | $456K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 80 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.