| 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 | $66K | $32K | $98K | 5.13% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | P O BOX 2006 MONROE, LA 71207 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 6.59% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-LA | 3300 W ESPLANADE AVE S STE 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.40% |
| COMMUNITY FINANCIAL INS CENTER LLC Filed as: COMMUNITY FINANCIAL INS.- | COMMUNITY FINANCIAL INSURANCE MONROE, LA 71201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $7K | — | $7K | 9.48% |
| BXS 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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 164 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $178K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $178K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 238 | $84K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 238 | $72K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 164 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.