| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SYSTEMS, INC Filed as: INSURANCE SYSTEMS, INC. | 1103 ROYAL AVE MONROE, LA 71201 | GREENWICH INSURANCE COMPANY | $50K | — | $50K | 13.04% |
| THOMAS & FARR AGENCY INC3 | 2200 TOWER DR MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 9.34% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE ST MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 5.27% |
| GCS COMPANIES OF MONROE LLC3 | 1014 EMERSON ST MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 3.07% |
| PATRICIA LYNNE MORRIS3 | 7210 WESTLAKE ROAD STERLINGTON, LA 71280 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.10% |
| PATRICIA T WATT3 | 2650 ANITA LANE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $13 | $1K | 1.09% |
| ELEE TRICHEL3 | 187 PAWNEE LANE WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | 0.18% |
| ANN LAURA TRICHEL3 | 223 CREEKSTONE DR WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.17% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 242 GULFWAY DRIVE HACKBERRY, LA 70645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.07% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.05% |
| SAMMY PEDIGO3 | 1607 BOIS D'ARE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.03% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE ROAD PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.03% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| ANTHONY L EMBANATO3 | PO BOX 13126 MONROE, LA 71213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| MEGAN ELIZABETH TILL3 | 141 DESIARD ST MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| CHARLINE PARKER3 Filed as: CHARLINE T PARKER | 6390 TWIN BRIDGES RD ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| RICHARD RUSSELL HOGAN3 Filed as: RICHARD HOGAN | PO BOX 204 CHATHAM, LA 71226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BRANDI L JAGER3 | 1607 WESTWARD DR GULFPORT, MS 39501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY LLC | 2200 TOWER DR MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.25% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY LLC | 2200 TOWER DR MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.79% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS & FARR AGENCY LLC | 2200 TOWER DR MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $486 | $3K | 18.17% |
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 | 163 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREENWICH INSURANCE COMPANY | 170 | $384K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 313 | $23K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $215K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 128 | $133K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $51K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.