| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $361K | $46K | $407K | 13.60% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264K | $4K | $268K | 15.21% |
| PANTALONE, JO, ANN Filed as: PANTALONE, LOUIS, J CUSTOM BENEFITS | PO BOX 1116 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $25K | 2.69% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | PO BOX 3809 BATON ROUGE, LA 70821 | VISION SERVICE PLAN | $100K | — | $100K | 11.73% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 2.88% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95K | $3K | $98K | 15.50% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | THE LINCOLN LIFE INSURANCE COMPANY | $30K | $21K | $51K | 33.55% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 5.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 IVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $750 | — | $750 | 0.66% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2909 13TH STREET FL 4 GULF PORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $535 | — | $535 | 0.47% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J CUSTOM BENEFITS | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $528 | — | $528 | 0.46% |
| HERRING, RICHARD, FULLER3 | 246 IVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.34% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2909 13TH STREET FL 4 GULFPORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 IVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.26% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J CUSTOM BENEFITS | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.20% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2909 13TH STREET FL 4 GULFPORT, MS 39501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.64% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2909 13TH STREET FL 4 GULFPORT, MS 39501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 4.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | $4.4M |
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 | 6,577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,253 | $3.0M |
| Vision | VISION SERVICE PLAN | 4,847 | $856K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,577 | $2.9M |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,532 | $668K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,577 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,577 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.