| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC Filed as: COMMUNITY FINANCIAL INSURANCE CENTE | 2201 FORSYTHE AVE MONROE, LA 71201 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $64K | $37K | $100K | 5.51% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | 2201 FORSYTHE AVE MONROE, LA 71201 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 6.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3300 W ESPLANADE AVE S, STE 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.40% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CO LLC | 2201 FORSYTHE AVE MONROE, LA 71201 | MONEY LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.91% |
| SOUTHERN NATL MARKETING CO3 Filed as: SOUTHERN NATL MKTG COMPAN | SOUTHERN NATL MARKETING CO BATON ROUGE, LA 70809 | MONEY LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.82% |
| BSX INSURANCE, INC.3 Filed as: BSX INSURANCE INC | P O BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 158 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $161K |
| Life insurance(2 contracts, 2 carriers) | MONEY LIFE INSURANCE COMPANY OF AMERICA | 243 | $89K |
| Long-term disability | MONEY LIFE INSURANCE COMPANY OF AMERICA | 243 | $77K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 158 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.