| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $0 | $101K | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF LOUISIANA | PO BOX 81248 LAFAYETTE, LA 70598 | UNITEDHEALTHCARE INSURANCE COMPANY | -$786 | $0 | -$786 | -0.02% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | SYMETRA LIFE INSURANCE COMPANY | $43K | $15K | $59K | 14.05% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.74% |
| ROGER LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $262 | $2K | 8.16% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.09% |
| PLUMHOFF AND ASSOCIATES, INC.3 | UNKNOWN HOUSTON, TX 77218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $706 | $0 | $706 | 2.77% |
| NANCY LAPHAM3 | PO BOX 711450 HOUSTON, TX 77271 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $0 | $358 | 1.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF LOUISIANA | PO BOX 82148 LAFAYETTE, LA 70598 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.58% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N. CAVILLO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.42% |
| JOEY MIGUES3 | 103 BALTUROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.10% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $3.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $3.3M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 384 | $442K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 384 | $417K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 384 | $417K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $3.3M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 384 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.