| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARM DR BLDG 5A BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 10.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1250 S CAPITAL OF TX HWY BL 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA | 1800 CITY FARM DR. BLDG. 5A BATON ROUGE, LA 70806 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 3300 W ESPLANADE AVE S STE 205 METAIRIE, LA 700027415 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.36% |
| ROGERS BENEFIT GROUP INC3 | 3300 W ESPLANADE AVE STE 205 METAIRIE, LA 700027415 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 194222239 | PRINCIPAL LIFE INSURANCE COMPANY | — | $698 | $698 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARMDRIVE BLDG 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 10.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BL 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $182 | $182 | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) | 1800 CITY FARM DR. BLDG 5A BATON ROUGE, LA 70806 | CEC COMMUNITY EYE CARE | $2K | — | $2K | 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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $137K |
| Vision | CEC COMMUNITY EYE CARE | 304 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 224 | $246K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 224 | $246K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 224 | $246K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 166 | $404K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 224 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.