| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA | 333 TEXAS STREET, SUITE 1000 SHREVEPORT, LA 71101 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 9.96% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA, INC. | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $4K | $36K | 14.12% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $14K | $23K | 9.13% |
| K G SMITH LLC3 Filed as: K G SMITH, LLC AND OTHER AGENTS | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $5K | $19K | 7.53% |
| THE FRANCIS GROUP LLC3 Filed as: THE FRANCIS GROUP, LLC | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $10K | $14K | 5.65% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $889 | $6K | 2.57% |
| SHANNON MARIE BALDWIN3 | 14620 SOUTH 52ND EAST AVENUE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 1.81% |
| EDGAR IVAN MUNOZ LUNA3 | 7313 KIOWA CREEK DRIVE EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $474 | $3K | 1.35% |
| 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 | $20K | $6K | $26K | 19.12% |
| LEAVITT GROUP3 | 560 SOUTH 300 EAST, SUITE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.82% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 745 | $279K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 745 | $279K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 670 | $134K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 670 | $387K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 670 | $134K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 699 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.