| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.56% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.73% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 18.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.38% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 18.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.44% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 18.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.57% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 19.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $4K | — | $4K | 6.57% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 17900 CHENAL PARKWAY SUITE 100 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $849 | — | $849 | 1.42% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 19.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $126 | $126 | 1.52% |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $228K |
| Vision | VISION SERVICE PLAN | 419 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $124K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $91K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.