| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $28K | $9K | $37K | 3.86% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $248 | $9K | 11.73% |
| THE PRODUCERS GROUP, INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.06% |
| BERNARD INSURANCE AGENCY LLC3 | 766 PROFESSIONAL DRIVE NORTH SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.15% |
| SOUTHERN NATL MARKETING CO3 Filed as: SOUTHERN NATL MARKETING | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $389 | $389 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS BAT | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 3.31% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FIN GROUP BENEFIT LLC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.33% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 78 | $962K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $81K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $9K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 78 | $962K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.