| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINLAND, JASON SCOTT3 Filed as: J WEINLAND GROUP BENEFITS | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 7.00% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 10.86% |
| KATHERINE B LLC3 | 2045 HORTON AVENUE SHREVEPORT, LA 71105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $760 | $1K | $2K | 5.43% |
| HENRY LEE MCCARTY3 | 1414 RICHEY STREET PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $962 | $181 | $1K | 3.08% |
| VANESSA MARIA WARNER3 | 8209 HEATHERBROOK CIRCLE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $362 | $846 | 2.28% |
| AUSTIN ONEIL EPPINETTE3 | 8716 HOLLOW BLUFF DRIVE HAUGHTON, LA 71037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $555 | $672 | 1.81% |
| VERA ANN PAREDES3 | 1414 RICHEY STREET, STE 6 PASADENA, TX 77502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $604 | $53 | $657 | 1.77% |
| DARIN POTTS3 | 100 DETERING ST., APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $336 | $568 | 1.53% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 983 HOUSTON, TX 77001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.54% |
| 3B VENTURE GROUP INC3 Filed as: 3B VENTURE GROUP, INC. | 832 MALLARD TRAIL MURPHY, TX 75094 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.41% |
| CLARA VICE3 Filed as: CLARA L VICE | 14902 ALDERWICK SUGARLAND, TX 77498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.39% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.25% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DRIVE HOUSTON, TX 77084 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.25% |
| PAMELA T ARMSTRONG3 Filed as: PAMELA TATE ARMSTRONG | 113 ANTIETAM DRIVE BOSSIER CITY, LA 71112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $39 | $79 | 0.21% |
| SANTIAGO OCHOA3 | 3605 S LOMBARD AVENUE CICERO, IL 60804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.15% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| ROSS LAPHAM3 | 2247 KINGS TRAIL KINGWOOD, TX 77339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $739 | $32 | $771 | 6.56% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | 806 BROOK HOLLOW DRIVE SHREVEPORT, LA 71105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | $421 | $1K | 21.96% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $202 | $202 | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATO | Claims processing; Plan Administrator Service code 12 | 731 N TAYLOR AMARILLO, TX 79107 | $31K |
| TFG FINANCIAL GROUP BENEFITS EIN 61-1588503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1754 EAST 70TH STREET SHREVEPORT, LA 71105 | $7K |
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 | 69 | 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) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $12K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $12K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 69 | $43K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 0 | $178K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.