| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E 70TH ST SHREVEPORT, LA 711055213 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 6.68% |
| 3B VENTURE GROUP INC3 | 1200 MARSHALL ST STE 800 SHREVEPORT, LA 71101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 31.53% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 E. 70TH ST. SHREVEPORT, LA 71105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 30.90% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS | 1754 E 70TH SHREVEPORT, LA 71105 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $29K | $433 | $30K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LA EIN 23-7384555 NONE | Claims processing Service code 12 | — | $49K |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 99 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $257K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $257K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $257K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $257K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 99 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 0 | $158K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.