| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS, LLC | UNKNOWN RIVERDALE, IA 52722 | BLUE CROSS BLUE SHIELD LOUISIANA | $19K | $3K | $22K | 2.17% |
| BABCOCK CONSULTING GROUP LLC3 | UNKNOWN RIVERSIDE, IA 52722 | BLUE CROSS BLUE SHIELD LOUISIANA | $14K | $5K | $19K | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14011 PARK DRIVE TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $95K | $22K | $117K | 15.63% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM CHARLES BROWN | 2871 LAKE VISTA DRIVE LEWISVILLE, TX 75067 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 1.34% |
| GAVIN TOMA3 Filed as: GAVIN AND SCHREINER INSURANCE | 110 EAST D STREET, SUITE M BENICA, CA 94510 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.32% |
| NOAH MORETTI3 | 754 BRIDLE RIDGE COURT FAIRFIELD, CA 94534 | KAISER FOUNDATION HEALTH PLAN, INC. | $650 | $0 | $650 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC. | $38 | $0 | $38 | 0.01% |
| BROWNES AND NOYES, LLC3 | UNKNOWN RIVERDALE, IA 52722 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $16K | $0 | $16K | 4.21% |
| BENEFIT CONCEPTS INC3 | UNKNOWN RIVERDALE, IA 52722 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $0 | $3K | $3K | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 9.04% |
| BABCOCK CONSULTING GROUP LLC3 | 5020 UTICA STREET METAIRIE, LA 70006 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.15% |
| SINCLAIR INSURANCE GROUP, INC.3 Filed as: SINCLAIR INSURANCE GROUP, INC | 35 THORPE AVENUE, SUITE 200 WALLINGFORD, CT 06492 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.24% |
| MATTHEW STEVEN REDNOUR3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.07% |
| WARE GROUP GENERAL AGENCIES3 Filed as: WARE GROUP AGENCIES | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.65% |
| ERIN BRZOZOWSKI, INC.3 Filed as: ERIN BRZOZOWSKI INC | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.64% |
| BRADDEN PROBST3 Filed as: BRADDEN JOHN PROBST | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.52% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS AND ASSOCIATES, INC | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $648 | $0 | $648 | 0.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNIFIED LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.59% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD LOUISIANA | 142 | $1.8M |
| Dental(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $1.3M |
| Vision(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $939K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $939K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $841K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $939K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD LOUISIANA | 142 | $1.8M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 428 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.