| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $1K | $41K | 11.30% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.03% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.74% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.63% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $1K | $23K | 15.84% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.72% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $1K | $20K | 15.89% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $979 | $979 | 0.76% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $464 | $6K | 10.84% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $397 | $397 | 0.72% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $499 | $5K | 11.01% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $428 | $428 | 0.87% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $358 | $9K | 20.79% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $307 | $307 | 0.68% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $305 | $7K | 20.87% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $262 | $262 | 0.75% |
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 | 738 | 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) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 527 | $364K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 646 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 708 | $129K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 738 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.