| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $32 | $25K | 9.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 13.66% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.13% |
| THE BENEFITS SOLUTION GROUP3 Filed as: THE BENEFITS SOLUTION GRP, INC | 9026 JEFFERSON HIGHWAY SUITE 202 BATON ROUGE, LA 70809 | VISION SERVICE PLAN | $5K | — | $5K | 10.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1800 CITY FARM DRIVE BATON ROUGE, LA 70806 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 7.94% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 NORTH ILLINOIS ROUTE 83 ROUND LAKE BEACH, IL 60073 | LIFESECURE INSURANCE COMPANY | $425 | — | $425 | 2.56% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $296 | — | $296 | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HIGHWAY SUITE 202 BATON ROUGE, LA 70809 | HCC LIFE INSURANCE COMPANY | $62 | — | $62 | 11.44% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,301 | $270K |
| Vision | VISION SERVICE PLAN | 300 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 420 | $160K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 420 | $160K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 385 | $542 |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 420 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,301 | — |
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.