| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC.3 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | LLOYDS OF LONDON | $8K | — | $8K | 5.09% |
| LANDRY, HARRIS AND CO., INC.3 Filed as: LANDRY HARRIS AND CO INC | P.O. BOX 2456 LAFAYETTE, LA 70502 | LLOYDS OF LONDON | $6K | — | $6K | 3.54% |
| SOUTHERN BENEFIT SERVICES3 | 2400 VETERANS BLVD KENNER, LA 70062 | LLOYDS OF LONDON | $2K | — | $2K | 1.04% |
| AMWINS3 Filed as: AMWINS STOP LOSS INSURANCE SERVICES | 6575 W. LOOP SOUTH STE 230 BELLAIRE, TX 774013509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA / AIG | $385 | — | $385 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LANDRY HARRIS AND CO INC EIN 20-2075174 INSURANCE AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $36K |
| HEALTHSCOPE BENEFITS, INC. CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $33K |
| PPO PLUS EIN 72-1489154 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
| SOUTHERN BENEFIT SERVICES EIN 20-2592826 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $7K |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LLOYDS OF LONDON | 154 | $156K |
| Dental | LLOYDS OF LONDON | 154 | $156K |
| Prescription drug | LLOYDS OF LONDON | 154 | $156K |
| Stop-loss / reinsurancereinsurance | LLOYDS OF LONDON | 154 | $156K |
| Other | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA / AIG | 154 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.