| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | GUARDIAN LIFE | $3K | — | $3K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11250 HERITAGE OAKS SHREVEPORT, LA 71106 | GUARDIAN LIFE | $5 | — | $5 | 0.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 1754 E. 70TH STREET SHREVEPORT, LA 71105 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 470 ASHLEY RIDGE BLVD. SHREVEPORT, LA 71106 | STARMOUNT LIFE INSURANCE COMPANY | $136 | — | $136 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $82K |
| TFG FINANCIAL GROUP BENEFITS, LLC EIN 61-1588503 BROKER | Other commissions Service code 55 | 1754 E. 70TH STREET SHREVEPORT, LA 71105 | $24K |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN LIFE | 110 | $244K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE | 110 | $308K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE | 110 | $308K |
| Life insurance | GUARDIAN LIFE | 110 | $244K |
| Short-term disability | GUARDIAN LIFE | 110 | $244K |
| Long-term disability | GUARDIAN LIFE | 110 | $244K |
| Prescription drug | GUARDIAN LIFE | 110 | $244K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 110 | $244K |
| Other | GUARDIAN LIFE | 110 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.