| 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 | $113K | — | $113K | 15.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72K | $10K | $82K | 20.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $3K | $42K | 10.46% |
| 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 | — | $2K | $2K | 0.58% |
| THE BENEFITS SOLUTION GROUP3 | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 15.00% |
| 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 | 10.00% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 1034 NORTH ASHLAND AVENUE CHICAGO, IL 60622 | COMBINED INSURANCE | $25K | — | $25K | 45.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | COMBINED INSURANCE | $15K | — | $15K | 27.00% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 110 FIELD DRIVE #310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $10K | — | $10K | 18.00% |
| FRANK D MCARTHUR II3 | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 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 | 1,991 | 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) | 1,991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,250 | $152K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,991 | $753K |
| Short-term disability | COMBINED INSURANCE | 197 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,991 | $257K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,991 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,991 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.