| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 | — | GREAT MIDWEST INSURANCE COMPANY | $40K | — | $40K | 41.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC. | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 15.11% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.27% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J. ALFORD INSURANCE CORP. | 1217 MUSEUM DRIVE HOUMA, LA 70360 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$89 | — | -$89 | -0.15% |
| CHRISTOPHER CIESIELSKI3 | 2310 RUE BIENVENUE BTON ROUGE, LA 70809 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.41% |
| CHRISTOPHER CIESIELSKI3 | 2310 RUE BIENVENUE BATON ROUGE, LA 70809 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $974 | — | $974 | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 16.46% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $94 | $94 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | RELIANCE MATRIX | $2K | — | $2K | 14.70% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | RELIANCE MATRIX | — | $15 | $15 | 0.14% |
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 | 80 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $48K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $48K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $72K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $72K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $72K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 72 | $99K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
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.