| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $62K | $47K | $110K | 1.08% |
| LOCKTON COMPANIES, LLC3 | 1480 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $79K | $0 | $79K | 0.78% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR SCOTTSDALE, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $238K | $0 | $238K | 15.14% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $5K | $48K | 3.04% |
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 | 1,057 | 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) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 2,530 | $10.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 2,530 | $10.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,057 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,530 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.