| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 18.35% |
| FAIRWAY PARTNERS LLC3 Filed as: FAIRWAY PARTNERS, LLC | 5944 LUTHER LN, SUITE 307 DALLAS, TX 75225 | HARTFORD LIFE AND ACCIDENT | $709 | — | $709 | 1.65% |
| ANNETRA FAYE BARNES3 | 1200 MARSHALL ST., SUITE 800 SHREVEPORT, LA 71101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 1.56% |
| ANGELA DENISE NATIONS3 | 411 HOMALOT DRIVE SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 1.40% |
| CHRISTOPHER ELLIOTT MENARD3 | 10309 THRIFT SR. LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 1.21% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP, INC. | 4915 VERGANO VILLA DR. KATY, TX 77493 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $16 | $41 | 0.89% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD RD. SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.56% |
| JONITA ANGELA OAKES3 | P.O. BOX 256 TROUP, TX 75789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.24% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.17% |
| MATTHEW KITER3 | 1901 HUNTER CROSSING BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.15% |
| BRIAN TATES3 Filed as: BRIAN STATES | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMIN. | Claims processing; Plan Administrator Service code 12 | — | $15K |
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 | 36 | 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) | 36 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SPECTRUM UNDERWRITING MANAGERS, INC. | 29 | $278K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 36 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 36 | $43K |
| Prescription drug | SPECTRUM UNDERWRITING MANAGERS, INC. | 29 | $278K |
| Other | HARTFORD LIFE AND ACCIDENT | 36 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.