| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY | $266K | $4K | $270K | 10.16% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $439K | $16K | $455K | 25.93% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $20K | $16K | $36K | 4.51% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $46K | $16K | $62K | 10.14% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $113K | $16K | $130K | 22.87% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $33K | $7K | $40K | 24.10% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC,ATTNKEN RAY | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT | $2K | — | $2K | 6.08% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 2909 13TH ST FL 4 GULFPORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT | $635 | — | $635 | 1.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 INVERNESS CENTER PKWY, STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT | $162 | — | $162 | 0.42% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT | $132 | — | $132 | 0.34% |
| HERRING, RICHARD, FULLER3 | 246 IVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT | $7 | — | $7 | 0.02% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC,ATTNKEN RAY | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT | $800 | — | $800 | 5.34% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | PO BOX 250 2909 13TH ST FL 4 GULF PORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT | $140 | — | $140 | 0.94% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT | $40 | — | $40 | 0.27% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 INVERNESS CENTER PKWY, STE 100 BIRMINGHAM, AL 35245 | PROVIDENT LIFE AND ACCIDENT | $34 | — | $34 | 0.23% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39501 | PROVIDENT LIFE AND ACCIDENT | $1 | — | $1 | 2.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | $3.6M |
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 | 5,332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,284 | $2.7M |
| Vision | VISION SERVICE PLAN | 4,026 | $727K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE | 5,332 | $808K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 4,603 | $616K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,332 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,332 | — |
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.