| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HM LIFE INSURANCE COMPANY | $53K | $0 | $53K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 10.26% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 10.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS & BLUESHIELD OF LOUISANA EIN 23-7384555 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 261798 BATON ROUGE, LA 70829 | $41K |
| VIRGIN PULSE, INC. EIN 20-2547480 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 75 FOUNTAIN ST STE 310 PROVIDENCE, RI 02902 | $16K |
| SUTTON FROST CARY LLP EIN 75-2593210 ACCOUNTING | Accounting (including auditing) Service code 10 | 600 SIX FLAGS DR STE 600 ARLINGTON, TX 76011 | $15K |
| STARMOUNT LIFE INSURANCE COMPANY EIN 72-0977315 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 98100 BATON ROUGE, LA 70898 | $14K |
| HIGGINBOTHAM INS AGENCY INC EIN 75-1732559 BROKER | Insurance agents and brokers Service code 22 | PO BOX 908 FORT WORTH, TX 76101 | $12K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $53K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 210 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.