| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $46K | $5K | $51K | 1.93% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.00% |
| BXS INSURANCE INC3 | 525 EAST CAPITAL STREET 2ND FLOOR JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.75% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $407 | $407 | 0.25% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 8.24% |
| BXS INSURANCE INC3 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $781 | $781 | 0.48% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $136 | $136 | 0.08% |
| BXS INSURANCE INC3 | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BXS INSURANCE INC3 | 525 EAST CAPITOL STREET 2ND FLOOR JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $711 | $711 | 1.66% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $107 | $107 | 0.25% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BXS INSURANCE INC3 | 525 EAST CAPITOL STREET 2ND FLOOR JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $626 | $626 | 1.57% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $100 | $100 | 0.25% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BXS INSURANCE INC3 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $145 | $145 | 0.45% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.09% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BXS INSURANCE INC3 | 525 EAST CAPITOL STREET 2ND FLOOR JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $429 | $429 | 1.62% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $66 | $66 | 0.25% |
| BXS INSURANCE INC3 | PO BO 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $937 | $937 | 5.00% |
| BXS INSURANCE INC3 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $82 | $82 | 0.44% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.09% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $913 | $913 | 5.00% |
| BXS INSURANCE INC3 | 525 EAST CAPITOL STREET 2ND FLOOR JACKSON, MS 39201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $326 | $326 | 1.79% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46 | $46 | 0.25% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $324K |
| Vision | VISION SERVICE PLAN | 332 | $43K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 377 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $27K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 531 | $2.6M |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.