| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $27K | $17K | $44K | 4.37% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $8K | $5K | $13K | 1.27% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $4K | $2K | $6K | 7.56% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $145 | $4K | 15.58% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA INSURANCE COMPANY | $3K | $428 | $3K | 15.54% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $76 | $2K | 15.61% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $53 | $2K | 15.45% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $55 | $2K | 15.52% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 110 | $1.0M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 131 | $81K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 131 | $81K |
| Life insurance | HUMANA INSURANCE COMPANY | 215 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 64 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $12K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 110 | $1.0M |
| Other(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 215 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.