| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 711014512 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 9.17% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, STE. 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.37% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| PREFERRED BENEFITS PLUS3 | 2920 KNIGHT STREET, SUITE 116 SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, STE. 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $595 | $2K | 5.39% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, STE. 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $970 | $8K | 22.92% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PREFERRED BENEFITS PLUS3 | 2920 KNIGHT STREET, SUITE 116 SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK, STE. 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 24.10% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 6001 PARLIAMENT DR. BOSSIER CITY, LA 71111 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| QUERBES & NELSON3 | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $85K | $6K | $91K | — |
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 | 679 | 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) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 258 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $200K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $200K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 572 | $57K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 258 | $0 |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 572 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.