| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINIANCIAL INSURANCE CENT | PO BOX 2006 MONROE, LA 712072006 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 4.00% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | 2201 FORSYTHE AVE MONROE, LA 71201 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 19.21% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER #300 TILSA, OK 74119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.97% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINL INS CTR LLC | PO BOX 2006 MONROE, LA 71207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $408 | — | $408 | 1.53% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 750 DALLAS, TX 752406260 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $170 | $1K | 6.82% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 741193203 | TRANSAMERICA LIFE INSURANCE COMPANY | $696 | — | $696 | 13.85% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $116K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $116K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $141K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $116K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.