| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS STREET, SUITE 100 SHREVEPORT, LA 71101 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.98% |
| RISK SERVICES OF LOUISIANA INC3 | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $8K | $44K | 26.54% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $27K | $38K | 23.25% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $13K | $26K | 15.66% |
| MJ INSURANCE3 Filed as: EDGAR LUNA AND VARIOUS AGENTS | 7313 KIOWA CREEK EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $5K | $20K | 12.26% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $944 | $5K | 3.19% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $733 | $4K | 2.69% |
| NEDDO BRIDGES SCALLION3 | 3982 HAMPTON DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.24% |
| LEAVITT GROUP3 Filed as: RISK SERVICES-LEAVITT INS. AGENIES | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.40% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $231K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $231K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 566 | $114K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 566 | $278K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 566 | $114K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 566 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.