| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $69K | $48K | $117K | 5.87% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH ST SHREVEPORT, LA 71105 | UNITED OF OMAHA INSURANCE COMPANY | — | $6K | $6K | 5.06% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | UNITED OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 4.66% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.51% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH ST SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.15% |
| MARY LOIS WIMER | 159 CHELSEA DR SHREVEPORT, LA 71105 | AFLAC | $3K | $102 | $3K | 7.10% |
| KENNETH A WIMER | 159 CHELSEA DR SHREVEPORT, LA 71105 | AFLAC | $2K | — | $2K | 4.45% |
| ADAM TRAYLOR | 357 PENNSYLVANIA AVE SHREVEPORT, LA 71105 | AFLAC | $620 | $20 | $640 | 1.70% |
| MICHAEL SCHROEDER | 1306 CAIRO CT BOSSIER CITY, LA 71112 | AFLAC | $389 | $20 | $409 | 1.09% |
| KAREN WEAVER | 415 STRATMORE DR SHREVEPORT, LA 71115 | AFLAC | $221 | — | $221 | 0.59% |
| FRANK H FORD JR | 1015 ONTARIO ST SHREVEPORT, LA 71106 | AFLAC | $198 | — | $198 | 0.53% |
| GARLAND KYLE | 2121 FAIRFIELD AVE SUITE 160 SHREVEPORT, LA 71104 | AFLAC | $196 | — | $196 | 0.52% |
| SKYE A VERGENAL | 715 MALLARD CV NEW IBERIA, LA 70560 | AFLAC | $167 | — | $167 | 0.44% |
| MARCUS A THOMAS | 5303 S MASON RD APT 2524 KATY, TX 77450 | AFLAC | $122 | — | $122 | 0.32% |
| MELANIE LOWE | 2557 VANCEVILLE RD BOSSIER CITY, LA 71111 | AFLAC | $85 | — | $85 | 0.23% |
| BLAZE J FREMIN | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $82 | — | $82 | 0.22% |
| DANIEL B ELLIS | PO BOX 38146 SHREVEPORT, LA 71133 | AFLAC | $76 | — | $76 | 0.20% |
| DAVID E CIAMPOLI Filed as: DAVID C CIAMPOLI | 1204 BIG OAK DR ALMA, AR 72921 | AFLAC | $76 | — | $76 | 0.20% |
| TRAVIS WIMER | 1123 CRYSTAL CREEK DR SHREVEPORT, LA 71106 | AFLAC | $58 | — | $58 | 0.15% |
| JEFFREY TAL WEBB | 900 PIERREMONT RD STE 114 SHREVEPORT, LA 71106 | AFLAC | $57 | — | $57 | 0.15% |
| CATHY ZESCH HOWELL | 365 LEO AVE SHREVEPORT, LA 71105 | AFLAC | $45 | — | $45 | 0.12% |
| STATON TY CRAIG | 9044 COUNTY ROAD 492D HENDERSON, TX 75654 | AFLAC | $30 | — | $30 | 0.08% |
| TERRY JAMES LAPORTE | 1007 HIGH DR SAINT MARTINVILLE, LA 70582 | AFLAC | $27 | — | $27 | 0.07% |
| PAULA J KEMP | 820 JORDAN ST STE 580 SHREVEPORT, LA 71101 | AFLAC | $25 | — | $25 | 0.07% |
| ADRIAN S JOHNSON | 289 MONTROSE PL BOSSIER CITY, LA 71111 | AFLAC | $24 | — | $24 | 0.06% |
| MICHAEL G. KEMP PREFERRED BENEFITS Filed as: MICHAEL G KEMP | 820 JORDAN ST STE 580 SHREVEPORT, LA 71101 | AFLAC | $17 | — | $17 | 0.05% |
| DANIEL B ELLIS | 3610 N JOSEY LN STE 202 CARROLLTON, TX 75007 | AFLAC | $7 | — | $7 | 0.02% |
| NATIONAL UNDERWRITERS AGENCY INC | 1639 BRADLEY PARK DR STE 500 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| CRUSER MARKETING INC | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.01% |
| STACY S RITCHIE Filed as: STACY RITCHIE | 5699 POINT ED DOYLINE, LA 71023 | AFLAC | $2 | — | $2 | 0.01% |
| CHARLES E GREENE | 6007 STAGG CIRCLE SHREVEPORT, LA 71129 | AFLAC | $2 | — | $2 | 0.01% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH ST SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $898 | $898 | 5.18% |
| QUERBES & NELSON3 | PO BOX 5 SHREVEPORT, LA 71161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 3.12% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 1644 STUBBS VINSON RD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.95% |
| 3B VENTURE GROUP INC3 | 4915 VERGANO VILLA DR KATY, TX 77493 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 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 | $47 | — | $47 | 0.45% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.45% |
| FRENCH INSURANCE GROUP INC3 | 1813 ROSELAWN AVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.40% |
| CHARLINE PARKER3 | 6390 TWIN BRIDGES RD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.38% |
| JAMIE SMITH MARTIN3 | 6815 ISABELLA DRIVE ALEXANDRIA, LA 71301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.35% |
| DANA NICOLE CAMPBELL3 | PO BOX 38 TIOGA, LA 71477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.31% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| FREDERICK EUGENE JOYCE III3 | 5502 CHRISTUS DR TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| AMY SUSANNE STEED3 | 111 MELROSE DR TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| RONALD NEIL FISCHER3 | 4095 SUMMERHILL SQ TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| CHERRY G MARTIN INS AGENCY INC3 | C/O RYAN LUNA WACO, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| LAURA LENEE KELLY3 | 4 THOUSAND OAKS CIR CONWAY, AR 72032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| MATTHEW KITER3 | 1901 HUNTER CROSSING BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $100K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $56K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 51 | $65K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 41 | $109K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 287 | $2.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 39 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.