| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN SPECIALTY BENEFITS | 6860 NORTH DALLAS PARKWAY, SUITE 20 PLANO, TX 75024 | PAN-AMERICAN LIFE INSURANCE CO. | $23K | — | $23K | 8.02% |
| LANDRY, HARRIS AND CO., INC.3 | 600 JEFFERSON ST #200 LAFAYETTE, LA 705022456 | COLONIAL LIFE | $39K | $11K | $49K | 26.11% |
| LANDRY, HARRIS AND CO., INC.5 Filed as: LANDRY HARRIS AND CO. | 600 JEFFERSON ST #200 LAFAYETTE, LA 70502 | SIGMATICO - EVOLUTION RISK - PAN AM LIFE | — | — | $0 | 0.00% |
| LANDRY, HARRIS AND CO., INC. Filed as: LANDRY HARRIS AND CO. | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | TOKIO MARINE-STOP LOSS INSURANCE SERVICES INC | — | — | $0 | 0.00% |
| LANDRY HARRIS & CO LLC3 Filed as: LANDRY HARRIS & CO | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | UNITED HEALTHCARE | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $124K |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE CO. | 182 | $478K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $13K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 181 | $198K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COLONIAL LIFE | 181 | $323K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE-STOP LOSS INSURANCE SERVICES INC | 0 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.