| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINIANCIAL INS. CENTER | PO BOX 2006 MONROE, LA 712072006 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $36K | $5K | $41K | 3.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADM. | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 23.91% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FRWY, SUITE 1940 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $929 | — | $929 | 6.37% |
| ACRISURE LLC3 | 2483 TOWER DR STE 5 MONROE, LA 712015773 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | — | $457 | 3.13% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINL INS CTR LLC | PO BOX 2006 MONROE, LA 71207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 1.83% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 1350 S BOULDER SUITE 300 TULSA, OK 741193203 | TLIC | $302 | — | $302 | 4.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 208 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 208 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $82K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.