| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FARMINGTON COMPANY | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $86K | — | $86K | 16.49% |
| GRIFFIN, STEVEN, RAY | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 1.94% |
| LANDRY HARRIS & CO LLC Filed as: LANDRY HARRIS & CO., LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.80% |
| THE FARMINGTON COMPANY | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 16.63% |
| GRIFFIN, STEVEN, RAY | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.01% |
| LANDRY HARRIS & CO LLC Filed as: LANDRY HARRIS & CO., LLC | 600 JEFFERSON ST STE 200 LAFAYETTE, LA 70501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 8702 JEFFERSON HWY SUTIE A BATON ROUGE, LA 70809 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 15.00% |
| UDB INSURANCE LLC3 | 205 ANSLEY BLVD SUITE A ALEXANDRIA, LA 71303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 11.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD SOUTH CAROLINA EIN 57-0287419 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Recordkeeping fees; Direct payment from the plan Service code 12 | — | $628K |
| MARTCO LLC EIN 72-0920365 | Participant communication; Accounting (including auditing); Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Plan Administrator; Claims processing; Direct payment from the plan Service code 10 | — | $195K |
| SCRIPT CARE LTD EIN 76-0621375 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees; Claims processing Service code 12 | — | $78K |
| DELTA DENTAL EIN 94-2761537 | Claims processing; Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $59K |
| TASC EIN 39-1561025 | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan Service code 12 | — | $25K |
| FISHER PHILLIPS EIN 58-0619559 | Legal; Direct payment from the plan Service code 29 | — | $18K |
| PAYNE MOORE AND HERRINGTON LLP EIN 72-0475011 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| ELLSWORTH CORPORATION | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 8210 METAIRIE, LA 70011 | $0 |
| THE BENEFIT SOLUTION GROUP | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 8702 JEFFERSON HWY SUITE A BATON ROUGE, LA 70809 | $0 |
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 | 1,187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 816 | $117K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 1,556 | $707K |
| Short-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 1,556 | $523K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,224 | $203K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,038 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,556 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.