| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $29K | $4K | $33K | 4.42% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $426 | $426 | 2.07% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $361 | $361 | 2.05% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 2.27% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 2.07% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 102 | $740K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 102 | $740K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 102 | $740K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.