| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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.3 | 600 JEFFERSON ST #200 LAFAYETTE, LA 705022456 | COLONIAL LIFE | $41K | $8K | $48K | 25.01% |
| 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% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | UNITED HEALTHCARE | $1K | — | $1K | 8.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST AGENCY | 600 JEFFERSON ST #200 LAFAYETTE, LA 70501 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 28.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSA, WI 544021087 | $80K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $8K |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE | 207 | $193K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $10K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 207 | $207K |
| Prescription drug | RXBENEFITS INC | 174 | $775K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | SIGMATICO - EVOLUTION RISK - PAN AM LIFE | 207 | $1.0M |
| Other(2 contracts, 2 carriers) | TOKIO MARINE-STOP LOSS INSURANCE SERVICES INC | 172 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.