| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $386 | $7K | 10.62% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $884 | $4K | 18.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $623 | $4K | 18.11% |
| BXS INSURANCE INC3 Filed as: CADENCE ISNURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $613 | $3K | 18.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $148 | $1K | 11.24% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $62K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $23K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 116 | $236K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.