| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 5.21% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.98% |
| LEAVITT GROUP3 Filed as: RISK SERVICES-LEAVITT INS. AGENCIES | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $487 | $487 | 0.55% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INS. ADVISORS, INC. | 560 SOUTH 300 EAST, SUITE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $194 | $194 | 0.22% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $660K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $88K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $88K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $660K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.