| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $945 | $3K | 20.71% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $630 | $630 | 3.81% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $584 | $3K | 19.35% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $390 | $390 | 2.90% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $479 | $2K | 19.31% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $320 | $320 | 2.88% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $379 | $1K | 20.32% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $253 | $253 | 3.54% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $688 | $294 | $982 | 14.28% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $196 | $196 | 2.85% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR. SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | $211 | $986 | 19.08% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $141 | $141 | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4K |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $397K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $397K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $403K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $402K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $397K |
| Prescription drug(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $397K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $397K |
| Other(6 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.