| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH SHREVEPORT, LA 71105 | GUARDIAN LIFE INSURANCE | $18K | — | $18K | 10.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH SHREVEPORT, LA 71115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.12% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH SHREVEPORT, LA 71115 | STARMOUNT LIFE INSURANCE CO | $3K | — | $3K | 11.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 TPA | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $182K |
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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY OF CANADA | 519 | $614K |
| Dental | GUARDIAN LIFE INSURANCE | 351 | $178K |
| Vision | STARMOUNT LIFE INSURANCE CO | 202 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $83K |
| Prescription drug | SUNLIFE ASSURANCE COMPANY OF CANADA | 519 | $614K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.