| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARMDRIVE BLDG 5A BATON ROUGE, LA 70806 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $62K | $42K | $104K | 5.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARMDRIVE BLDG 5A BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD, SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA | 1800 CITY FARM DR. BLDG. 5A BATON ROUGE, LA 70806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| THE PRODUCERS GROUP, INC3 | 3300 W ESPLANADE 210 METAIRIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $435 | — | $435 | 0.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARMDRIVE BLDG 5A BATON ROUGE, LA 70806 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD, SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $809 | $809 | 1.19% |
| 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 | $5K | — | $5K | 10.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $160 | $160 | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 9026 JEFFERSON HWY, STE 202 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LOUISIANA | 9026 JEFFERSON HWY, STE 202 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $730 | $122 | $852 | 14.01% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 244 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $115K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 149 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 202 | $68K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $68K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 208 | $211K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 244 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 202 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.