| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 5.81% |
| CHRISTOPHER PARSONS3 | P. O. BOX 1302 WASKOM, TX 75692 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 820 JORDAN STREET SUITE 580 SHREVEPORT, LA 71101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.81% |
| CHRISTOPHER PARSONS3 | P. O. BOX 1302 WASKOM, TX 75692 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $676 | — | $676 | 2.69% |
| QUERBES & NELSON3 | 214 MILAM STREET SHREVEPORT, LA 71101 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $30K | — | $30K | — |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 274 | $0 |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 79 | $64K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 79 | $64K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 376 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 71 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 274 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 274 | $0 |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 376 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.