| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC | P O BOX 2006 MONROE, LA 71207 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $55K | $37K | $92K | 5.82% |
| COMMUNITY FINANCIAL INS CENTER LLC | P O BOX 2006 MONROE, LA 71207 | STARMOUNT LIFE INS CO | $10K | — | $10K | 9.22% |
| COMMUNITY FINANCIAL INS CENTER LLC Filed as: COMMUNITY FINANCIAL INSURANCE | 2201 FORSYTHE AVE MONROE, LA 71201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.26% |
| COMMUNITY FINANCIAL INS CENTER LLC Filed as: COMMUNITY FINANCIAL INS COMPANY LLC | P O BOX 2006 MONROE, LA 71207 | STARMOUNT LIFE INSURANCE | $2K | — | $2K | 10.86% |
| BXS INSURANCE INC Filed as: BANCORPSOUTH INSURANCE SERVICES IN | P O BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 15.00% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 151 | $1.6M |
| Dental | STARMOUNT LIFE INS CO | 147 | $103K |
| Vision | STARMOUNT LIFE INSURANCE | 121 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $69K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.