| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 16.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.41% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE | $4K | $4K | $8K | 12.97% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE | — | $2K | $2K | 3.05% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.82% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR. STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.98% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $77 | $1K | 11.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 8550 UNITED PLAZA, SUITE 210 BATON ROUGE, LA 70809 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $59 | $59 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF LOUISIANA EIN 23-7384555 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 261798 BATON ROUGE, LA 70829 | $146K |
| GUARDIAN LIFE INS CO OF AMERICA EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10 HUDSON YARDS NEW YORK, NY 10001 | $19K |
| VIRGIN PULSE, INC. EIN 20-2547480 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 75 FOUNTAIN ST. STE. 310 PROVIDENCE, RI 02902 | $17K |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $12K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 229 | $61K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 216 | $586K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.