| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 5087 THIBODAUX, LA 70302 | AETNA HEALTH, INC. | $73K | $0 | $73K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 470 ASHLEY RIDGE BLVD SHREVEPORT, LA 71106 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $64 | $16K | 16.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.62% |
| TFG FIN GROUP BEN LLC3 | 1377 FORREST CREEK SHREVEPORT, LA 71115 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 17.06% |
| TFG FIN GROUP BEN LLC3 | 1377 FORREST CREEK SHREVEPORT, LA 71115 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| JAMIE SMITH MARTIN3 | 6815 ISABELLA DRIVE ALEXANDRIA, LA 71301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $5 | $146 | 1.60% |
| YOLANDE THORNHILL3 | 5003 MASONIC DR. SUITE 112 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $49 | $125 | 1.37% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 242 GULFWAY DRIVE HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 1.07% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES RD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.84% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DR HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $11 | $76 | 0.83% |
| FRENCH INSURANCE GROUP INC3 | PO BOX 14806 MONROE, LA 71207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.68% |
| DANA NICOLE CAMPBELL3 | PO BOX 38 TIOGA, LA 71477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | PO BOX 5545 ALEXANDRIA, LA 71307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.39% |
| TI BENEFITS INC3 | 2866 HWY 114 HESSMER, LA 71341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.25% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.23% |
| TERRI L FIRMIN3 Filed as: TERRI FIRMIN | 2866 HWY 114 HESSMER, LA 71341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 5087 THIBODAUX, LA 70302 | AETNA LIFE INSURANCE CO. | $216 | $11K | $11K | 148.79% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 3 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $97K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 56 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 42 | $96K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.