| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 3.50% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 250 GULFPORT, MS 39501 | UNION SECURITY INSURANCE COMPANY | $16K | $4K | $20K | 15.97% |
| EMPLOYER BENEFIT SYSTEMS INC3 | 222 INDIANAPOLIS BOULEVARD SUITE 203 SCHERERVILLE, IN 46375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 11.15% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERIVCES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.85% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 14207 JACKSON, MS 39236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 57.65% |
| EMPLOYER BENEFIT SYSTEMS INC3 | 222 INDIANAPOLIS BOULEVARD SUITE 203 SCHERERVILLE, IN 46375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | — | $934 | 2.55% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EMPLOYER BENEFIT SYSTEMS INC3 | 222 INDIANAPOLIS BOULEVARD SUITE 203 SCHERERVILLE, IN 46375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | — | $534 | 7.52% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $176 | — | $176 | 2.48% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 10.00% |
| EMPLOYER BENEFIT SYSTEMS INC3 | 222 INDIANAPOLIS BOULEVARD SUITE 203 SCHERERVILLE, IN 46375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $386 | — | $386 | 7.52% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127 | — | $127 | 2.48% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $475 | — | $475 | 10.01% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $1.4M |
| Dental | UNION SECURITY INSURANCE COMPANY | 212 | $128K |
| Vision | UNION SECURITY INSURANCE COMPANY | 212 | $128K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 553 | $94K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $197K |
| Long-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $74K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 553 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.