| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCORP SOUTH INSUR SERVCS INC1 Filed as: BANCORP INSURANCE SERVICES INC | 3310 N UNIVERSITY DR NACOGDOCHES, TX 75965 | BLUE CROSS BLUE SHIELD OF TEXAS | $53K | $4K | $57K | 3.47% |
| BXS INSURANCE INC2 Filed as: BANCORPSOUTH INS SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 20.73% |
| BXS INSURANCE INC2 Filed as: BANCORPSOUTH INS SERVICES INC | P O BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.23% |
| BXS INSURANCE INC2 Filed as: BANCORPSOUTH INS SERVICES INC | P O BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $487 | $2K | 12.76% |
| BXS INSURANCE INC2 Filed as: BANCORPSOUTH INS SERVICFES INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $566 | $3K | 19.17% |
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 | 392 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 392 | $1.6M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.