| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUERBES & NELSON3 Filed as: QUERBES AND NELSON | 214 MILAM STREET SHREVEPORT, LA 71106 | COMPANION LIFE INSURANCE COMPANY | $28K | — | $28K | 9.00% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 711014512 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 10.28% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.14% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 Filed as: MICHAEL KEMP PREFERRED BENEFITS | 820 JORDAN STREET, ST. 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| PREFERRED BENEFITS PLUS3 | 2920 KNIGHT STREET, ST. 116 SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.17% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $780 | $7K | 22.36% |
| 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% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $619 | $2K | 7.15% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK, STE. 520 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.96% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 6001 PARLIAMENT DR. BOSSIER CITY, LA 71111 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $550 | — | $550 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 INSURANCE BROKER | Claims processing Service code 12 | — | $164K |
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 | 709 | 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) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 228 | $313K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 709 | $528K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 709 | $528K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 492 | $47K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 228 | $313K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 228 | $313K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 228 | $313K |
| Other(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 492 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.