| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL OF LA, INC | 6425 YOUREE DRIVE, SUITE 290 SHREVEPORT, LA 71105 | VANTAGE HEALTH PLAN INC | $30K | — | $30K | 4.84% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | P. O. BOX 530847 BIRMINGHAM, AL 35253 | COVENTRY HEALTH CARE OF LOUISIANA | $14K | — | $14K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL OF LA, INC. | 2250 HOSPITAL DRIVE SUITE 120 BOSSIER CITY, LA 71111 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 10.26% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC | 2250 HOSPITAL DRIVE BOSSIER CITY, LA 71111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.66% |
| MEG A JOHNSON3 | 724 DUDLEY DRIVE SHREVEPORT, LA 71104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.05% |
| PATRICIA T WATT3 | 6178 RODEO DRIVE BASTROP, LA 71220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $438 | $13 | $451 | 1.62% |
| VIRGINIA KAY WARD3 | 8552 MEADOW PARKWAY DRIVE SHREVEPORT, LA 71108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 1.03% |
| SONIA MELINDA PORTERO3 | 724 DUDLEY DRIVE SHREVEPORT, LA 71104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 0.84% |
| JONITA ANGELA OAKES3 | P. O. BOX 256 TROUP, TX 75789 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.72% |
| HEATHER M MONTELBANO3 | 831 KINGS HWY SHREVEPORT, LA 71104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $2 | $164 | 0.59% |
| GROUP VOLUNTARY BENEFITS LLC3 | 1901 HWY 190, UNIT 523 MANDEVILLE, LA 70448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.56% |
| CHRISTOPHER ELLIOTT MENARD3 | 10309 THRIFT DRIVE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.44% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY SUITE 725 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $235 | $2K | 15.23% |
| JO NELL KNOTTS3 | 235 WELHAM TRACE BOSSIER CITY, LA 71112 | METROPOLITAN LIFE INSURANCE COMPANY | $354 | — | $354 | 2.21% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC | 2250 HOSPITAL DRIVE, SUITE 120 BOSSIER CITY, LA 71111 | METROPOLITAN LIFE INSURANCE COMPANY | $354 | — | $354 | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | -$142 | — | -$142 | -0.89% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC | 2250 HOSPITAL DRIVE #120 BOSSIER CITY, LA 71111 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S. BOULDER #300 TULSA, OK 74119 | AMERICAN HERITAGE LIFE INSURANCE/ALLSTATE BENEFITS | $1K | — | $1K | 8.42% |
| DAVID CLAYTON SHEMWELL3 | 2483 TOWER DRIVE UNIT #5 MONROE, LA 71201 | AMERICAN HERITAGE LIFE INSURANCE/ALLSTATE BENEFITS | $572 | — | $572 | 4.62% |
| JO NELL KNOTTS3 | 235 WELHAM TRACE BOSSIER CITY, LA 71112 | AMERICAN HERITAGE LIFE INSURANCE/ALLSTATE BENEFITS | $448 | — | $448 | 3.62% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL OF LA, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | AMERICAN HERITAGE LIFE INSURANCE/ALLSTATE BENEFITS | $426 | — | $426 | 3.44% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF LOUISIANA | 100 | $394K |
| Dental | NATIONAL GUARDIAN LIFE | 173 | $51K |
| Vision | NATIONAL GUARDIAN LIFE | 173 | $51K |
| Life insurance(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 173 | $67K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 89 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $14K |
| Other(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 173 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.