| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $83K | $39K | $122K | 5.15% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCEINC | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $6K | $5K | $10K | 6.37% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.50% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.95% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $965 | $5K | 18.44% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.31% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.64% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 226 | $2.4M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 228 | $161K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 228 | $161K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $70K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 226 | $2.4M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.