| 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 | $41K | — | $41K | 4.00% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | 2201 FORSYTHE AVE MONROE, LA 71201 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.84% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 741193203 | ALLSTATE BENEFITS | $3K | — | $3K | 11.68% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINL INS CTR LLC | PO BOX 2006 MONROE, LA 71207 | ALLSTATE BENEFITS | $566 | — | $566 | 2.36% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S BOULDER #300 TILSA, OK 74119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.68% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINL INS CTR LLC | PO BOX 2006 MONROE, LA 71207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $566 | — | $566 | 2.36% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | 2201 FORSYTHE AVE MONROE, LA 712013643 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.04% |
| 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 | $585 | $148 | $733 | 3.94% |
| BUSINESS BENEFIT CONSULTANTS LLC3 Filed as: BUSINESS BENEFITS CONSULTANTS | 2483 TOWER DR STE 5 MONROE, LA 712015773 | METROPOLITAN LIFE INSURANCE COMPANY | $311 | — | $311 | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | -$330 | — | -$330 | -1.77% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $80K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $122K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $80K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.