| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH ST SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 731 N TAYLOR AMARILLO, TX 79105 | $45K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PPO NETWORK | Other services Service code 49 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $21K |
| TGF FINANCIAL GROUP BENEFITS EIN 61-1588503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | $11K |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 105 | $225K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $38K |
| Prescription drug | PAN AMERICAN LIFE INSURANCE COMPANY | 105 | $225K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 105 | $225K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.