| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 624 TEXAS STREET SUITE 102 SHREVEPORT, LA 71101 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $70K | $17K | $87K | 4.44% |
| GROUP INSURANCE INC OF LOUISIANA3 Filed as: GROUP INSURANCE INC. OF LOUISIANA | 8555 UNITED PLAZA BLVD BLDG 4, SUITE 110 BATON ROUGE, LA 70809 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $0 | $10K | $10K | 0.52% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 624 TEXAS STREET SUITE 102 SHREVEPORT, LA 71101 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $2K | $451 | $3K | 12.12% |
| GROUP INSURANCE INC OF LOUISIANA3 Filed as: GROUP INSURANCE INC. OF LOUISIANA | 8555 UNITED PLAZA BLVD BLDG 4, SUITE 110 BATON ROUGE, LA 70809 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $0 | $94 | $94 | 0.45% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 281 | $2.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 281 | $2.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 368 | $21K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 281 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.