| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SYSTEMS, INC | 1103 ROYAL AVENUE MONROE, LA 71201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $39K | — | $39K | 13.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS AND FARR AGENCY INC | 2200 TOWER DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 11.58% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE STREET MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $109 | $4K | 3.40% |
| PATRICIA LYNNE MORRIS3 | 7216 WESTLAKE ROAD STERLINGTON, LA 71280 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $25 | $609 | 0.50% |
| GCS COMPANIES OF MONROE LLC3 Filed as: GCS COMPANIES OF MONROE, LLC | 1014 EMERSON STREET MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 0.17% |
| ELEE TRICHEL3 | 187 PAWNEE LANE WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.12% |
| ANN LAURA TRICHEL3 | PO BOX 912 THROCKMORTON, TX 76483 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.12% |
| TERRELL & COMPANY INC3 Filed as: TERRELL AGENCY INC | 1644 STUBBS VINSON ROAD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 0.08% |
| SAMMY PEDIGO3 | 1607 BOIS D'ARE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.05% |
| BSK BENEFITS PLUS LLC3 Filed as: BSK BENEFITS PLUS, LLC | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.03% |
| PATRICIA T WATT3 | 2650 ANITA LANE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| DANIEL GRIFFON3 | 2311 AMALIE DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.01% |
| ANTHONY L EMBANATO3 | PO BOX 13126 MONROE, LA 71213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| CHARLINE PARKER3 | 11136 HIGHWAY 28 WEST BOYCE, LA 71409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS AND FARR AGENCY, LLC | 2200 TOWER DRIVE MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS AND FARR AGENCY, LLC | 2200 TOWER DRIVE MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| THOMAS & FARR AGENCY INC3 Filed as: THOMAS AND FARR AGENCY, LLC | 2200 TOWER DRIVE MONROE, LA 71201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 128 | $301K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 296 | $18K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $194K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $50K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.