| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.62% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 12.44% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP, INC. | 3939 N. CAUSEWAY BLVD. METARIE, LA 70002 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $71K |
| TFG FINANCIAL GROUP BENEFITS, LLC EIN 61-1588503 BROKER | Other commissions Service code 55 | 1754 E. 70TH STREET SHREVEPORT, LA 71105 | $20K |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $234K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $330K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $330K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $330K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $96K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $234K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $234K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $234K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
No prospect flags tripped on this filing.