| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 16.25% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 7.59% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $19K | 15.09% |
| BANCORP SOUTH INSURANCE3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | EYE MED | $6K | — | $6K | 9.16% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | EYE MED | -$144 | — | -$144 | -0.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM INSURANCE COMPANY | $2K | $320 | $2K | 4.02% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC, | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $915 | — | $915 | 1.50% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $229 | $229 | 0.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM INSURANCE COMPANY | $24K | $935 | $25K | 42.28% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC, | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $10K | — | $10K | 17.45% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $519 | $519 | 0.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TN 77036 | UNUM INSURANCE COMPANY | $13K | $561 | $14K | 38.83% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC, | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $6K | — | $6K | 15.95% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $306 | $306 | 0.88% |
| BANCORP SOUTH INSURANCE3 | P.O. BOX 251510 LITTLE ROCK, AR 72225 | EYEMED | $3 | — | $3 | 11.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $156K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Other fees; Direct payment from the plan Service code 50 | — | $107K |
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 NONE | Direct payment from the plan; Other fees Service code 50 | — | $55K |
| MEMD, INC. EIN 46-3279589 NONE | Other fees; Direct payment from the plan Service code 50 | — | $13K |
| HEALTHCARE BLUEBOOK, INC. EIN 46-4399706 NONE | Direct payment from the plan; Other fees Service code 50 | — | $11K |
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 | 948 | 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) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 227 | $35K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 309 | $0 |
| Vision(2 contracts, 2 carriers) | EYE MED | 860 | $71K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $393K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $244K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $270K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.