| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $109K | — | $109K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $3K | $61K | 18.11% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104K | $16K | $120K | 44.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56K | $6K | $62K | 23.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY. BG 2 ST 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 8.94% |
| FRANK D MCARTHUR II3 | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | — | $94 | 9.97% |
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 | 1,987 | 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) | 1,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,224 | $165K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,977 | $730K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,556 | $339K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,977 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,977 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.