| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUERBES & NELSON3 Filed as: QUERBES AND NELSON | 214 MILAM STREET SHREVEPORT, LA 71106 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 9.98% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.16% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.65% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 Filed as: MICHAEL KEMP PREFERRED BENEFITS | 820 JORDAN STREET, ST. 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| PREFERRED BENEFITS PLUS3 | 2920 KNIGHT STREET, ST. 116 SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.74% |
| MICHAEL G KEMP3 Filed as: MICHAEL G. KEMP | PREFERRED BENEIFTS PLUS 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $720 | $6K | 22.64% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PREFERRED BENEFITS PLUS3 | 2920 KNIGHT STREET, SUITE 116 SHREVEPORT, LA 71105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MICHAEL G KEMP3 Filed as: MICHAEL G. KEMP | PREFERRED BENEFITS PLUS 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $432 | $4K | 17.02% |
| MICHAEL G. KEMP PREFERRED BENEFITS3 | 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $557 | $2K | 7.73% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK, STE. 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.03% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 5511 FLAGSTONE DRIVE SHREVEPORT, LA 71119 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $493 | — | $493 | 3.02% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $273 | $3K | 22.25% |
| MICHAEL G KEMP3 Filed as: MICHAEL G. KEMP | PREFERRED BENEIFTS PLUS 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $185 | $2K | 21.68% |
| MICHAEL G KEMP3 Filed as: MICHAEL G. KEMP | PREFERRED BENEIFTS PLUS 820 JORDAN STREET, SUITE 580 SHREVEPORT, LA 71101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK, STE. 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $118 | — | $118 | 8.09% |
| MICHAEL G KEMP3 Filed as: MICHAEL KEMP | 5511 FLAGSTONE DRIVE SHREVEPORT, LA 71119 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $44 | — | $44 | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $233K |
| QUERBES AND NELSON EIN 72-1110665 BROKER | Other commissions Service code 55 | 214 MILAM STREET SHREVEPORT, LA 71106 | $34K |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $190K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $190K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $45K |
| Other(7 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.