| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CENTER, LLC | P. O. BOX 2006 MONROE, LA 71207 | UNITED HEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 4.00% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CENTER, LLC | 2201 FORSYTHE AVENUE MONROE, LA 712013643 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 11.78% |
| ELLIS HASSIEN & OTHER BROKERS3 | 4349 PETE SEAY RD BROKERS AT OTHER SULPHUR BROKERS AT OT, LA 70665 | AFLAC | $6K | — | $6K | 11.51% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL INS CENTER, LLC | 2201 FORSYTHE AVENUE MONROE, LA 712013643 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYDON B JOHNSON FWY STE 750 DALLAS, TX 752406260 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $315 | $2K | 7.04% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINL INS CTR LLC | P O BOX 2006 MONROE, LA 71207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.15% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 1350 S. BOULDER #300 TULSA, OK 74119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $191K |
| Vision | AFLAC | 72 | $48K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $218K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 87 | $75K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $191K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $1.7M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.