| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $0 | $45K | 16.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.77% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $452 | $452 | 0.16% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA INC. | 400 TEXAS STREET, SUITE 100 SHREVEPORT, LA 71101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 30.16% |
| SUSANNE MCFARLAND AND OTHER AGENTS3 | 1125 SETH STREET CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.29% |
| STACY R RODGERS3 Filed as: STACY R. RODGERS | 2725 WALDRON ROAD, SUITE 55 CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $3 | $2K | 3.23% |
| ANGELICA M. LIMON3 | 1221 SHIELS DRIVE CORPUS CHRISTI, TX 78412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.12% |
| SALVADOR DALI SANCHEZ3 Filed as: SALVADOR D. SANCHEZ | 5866 SOUTH STAPLES STREET SUITE 306 CORPUS CHRISTI, TX 78413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.93% |
| BRENDA PEREZ WRIGHT3 | 2526 GOGTOOTH COURT CORPUS CHRISTI, TX 78414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.91% |
| SHANE L. CALK3 | 6717 EVERHART ROAD APARTMENT 2106 CORPUS CHRISTI, TX 78413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.91% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 134 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $276K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $276K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $276K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $345K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $276K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.