| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 2250 HOSPITAL DRIVE, STE. 120 BOSSIER CITY, LA 71111 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 4.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET FORT WORTH, TX 76102 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $704 | $5K | 12.02% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC 7R670 | 2483 TOWER DRIVE, STE. 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 15.83% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FRWY, SUITE 1940 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $928 | — | $928 | 2.86% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC 7L640 | 2483 TOWER DRIVE, STE. 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 1.12% |
| KNOTTS JO NELL3 | 235 WELHAM TRACE BOSSIER CITY, LA 71112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 0.53% |
| 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 | $168 | — | $168 | 0.52% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC 8C3XO | 2483 TOWER DRIVE, SUITE 5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| PAMELA T ARMSTRONG3 Filed as: PAMELA TATE ARMSTRONG | 113 ANTLETAM DR. BOSSIER CITY, LA 71112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $801 | $531 | $1K | 6.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $23 | $750 | 3.93% |
| AUSTIN ONEIL EPPINETTE3 | 8716 HOLLOW BLUFF DR. HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $574 | $745 | 3.90% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIR. HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $126 | $369 | 1.93% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC. | 2250 HOSPITAL DRIVE, STE. 120 BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 1.70% |
| CHRISTINA TURNER3 | 8715 DIXIE BLANCHARD RD. SHREVEPORT, LA 71107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $3 | $75 | 0.39% |
| BRIAN TATES3 | 146 MOOR RD. SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.33% |
| BENEFIT COUNTS, LLC3 | P.O. BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.25% |
| JENNIFER ANNE EVANS3 | 632 MUSTANG DR. CONVERSE, LA 71419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $1 | $42 | 0.22% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS | 29103 CHURCH OF GOD RD. SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.20% |
| LINDSEY KAY TURNAGE3 | 619 TURTLE CREEK DR. SHREVEPORT, LA 71115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $9 | $29 | 0.15% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP OF TEXAS, INC. | 832 MALLARD TRL. MURPHY, TX 75094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.15% |
| CHRISTOPHER ELLIOTT MENARD3 | 7707 W. CONGRESS ST. DUSON, LA 70529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.14% |
| PATRICIA T WATT3 Filed as: PATRICIA T. WATT | 2650 ANITA LN. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE ST. MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE RD. PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA BUSINESS BENEFIT | 2483 TOWER DR. STE 5 MONROE, LA 712015773 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA GARCEAU INS. AGEN | P.O. BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $249 | $249 | 1.44% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 50 | $386K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 89 | $40K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 89 | $40K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 78 | $50K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $17K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 50 | $386K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 78 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.