| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA | 1800 CITY FARDRIVE LBDG 5A BATON ROUGE, LA 70806 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | $27K | $116K | 19.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DR FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 6.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $515 | $11K | 3.36% |
| 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 | — | $343 | $343 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | — | $56K | 17.40% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 1034 NORTH ASHLAND AVENUE CHICAGO, IL 60622 | COMBINED INSURANCE | $12K | — | $12K | 6.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | COMBINED INSURANCE | $7K | — | $7K | 3.80% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 110 FIELD DRIVE #310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $5K | — | $5K | 2.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY., SUITE 202 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DR FARMINGTON, CT 06032 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| THE BENEFITS SOLUTION GROUP3 Filed as: THE BENEFITS SOLUTION GROUP IN | 8702 JEFFERSON HIGHWAY, SUITE A BATON ROUGE, LA 70809 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS INC. | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $119 | — | $119 | 0.26% |
| 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 | 2,142 | 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) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,401 | $170K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,104 | $642K |
| Short-term disability | COMBINED INSURANCE | 252 | $194K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,142 | $323K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,104 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,142 | — |
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."
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.