| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 | — | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $331K | — | $331K | 24.59% |
| CIGNA3 | — | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $113K | — | $113K | 8.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $28K | — | $28K | 2.08% |
| CURALINC HEALTHCARE3 Filed as: CURALINC HEALTH CARE | — | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $7K | — | $7K | 0.55% |
| 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 | $74K | $60 | $74K | 10.41% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2- SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC. | 1800 CITY FARMS DRIVE BATON ROUGE, LA 70806 | VISION SERVICE PLAN | $9K | — | $9K | 10.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $327 | $5K | 11.56% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $584 | — | $584 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURNACE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $218 | $218 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUI | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $319 | $7K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF LOUISIANA | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $151 | $3K | 13.11% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1800 CITY FARM DRIVE BATON ROUGE, LA 70806 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 6.71% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $389 | — | $389 | 2.02% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $204 | — | $204 | 1.06% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,902 | $708K |
| Vision | VISION SERVICE PLAN | 486 | $80K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,902 | $751K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,902 | $708K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 584 | $1.3M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,902 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,902 | — |
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.