| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC | 8702 JEFFERSON HIGHWAY SUITE A BATON ROUGE, LA 70809 | GILSBAR, LLC | $87K | — | $87K | 9.53% |
| THE BENEFITS SOLUTION GROUP3 | 8702 JEFFERSON HIGHWAY SUITE A BATON ROUGE, LA 70809 | NATIONAL GUARDIAN LIFE | $22K | — | $22K | 10.00% |
| THE BENEFITS SOLUTION GROUP3 Filed as: THE BENEFITS SOLUTION | 8550 UNITED PLAZA BOULEVARD BATON ROUGE, LA 70809 | SUN LIFE AND HEALTH INSURANCE COMPANY | $20K | — | $20K | 15.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $646 | — | $646 | 0.49% |
| THE BENEFITS SOLUTION GROUP3 | 8702 JEFFERSON HIGHWAY BATON ROUGE, LA 70809 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 7.83% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DRIVE LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $727 | — | $727 | 2.18% |
| THE BENEFITS SOLUTION GROUP3 Filed as: THE BENEFITS SOLUTION GROUP, INC. | 8702 JEFFERSON HIGHWAY SUITE A BATON ROUGE, LA 70809 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 284 | $216K |
| Vision | VISION SERVICE PLAN | 238 | $33K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $131K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $131K |
| Stop-loss / reinsurancereinsurance | GILSBAR, LLC | 324 | $910K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.