| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $37K | $4K | $41K | 2.40% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | 3310 NORTH UNIVERSITY DRIVE NACOGDOCHES, TX 75965 | UNION SECURITY INSURANCE COMPANY | $17K | — | $17K | 8.71% |
| USB HEALTH LLC3 | 4550 HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 2.41% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 250 GULFPORT, MS 39501 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 1.76% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $942 | $4K | 19.08% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES LLS | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $108 | $108 | 0.47% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $680 | $3K | 19.49% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES LLS | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $75 | $75 | 0.50% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 384 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 272 | $198K |
| Vision | UNION SECURITY INSURANCE COMPANY | 272 | $198K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 272 | $198K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $15K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 384 | $1.7M |
| Other | UNION SECURITY INSURANCE COMPANY | 272 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.