| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $41K | $4K | $45K | 1.66% |
| BXS INSURANCE INC3 | 3310 NORTH UNIVERSITY DRIVE NACOGDOCHES, TX 75965 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.57% |
| USB HEALTH LLC3 | 4550 HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 474 | $2.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 343 | $55K |
| Vision | UNION SECURITY INSURANCE COMPANY | 343 | $55K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 343 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $19K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 474 | $2.7M |
| Other | UNION SECURITY INSURANCE COMPANY | 343 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.