| 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 | $312K | $26K | $338K | 11.01% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $394K | — | $394K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $24K | — | $24K | 2.50% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $139K | — | $139K | 19.63% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $20K | — | $20K | 2.90% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE | $42K | — | $42K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC,ATTNKEN RAY | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT | $6K | — | $6K | 6.07% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 2909 13TH ST FL 4 GULFPORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT | $1K | $444 | $2K | 1.61% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 INVERNESS CENTER PKWY, STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT | $704 | — | $704 | 0.75% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT | $412 | — | $412 | 0.44% |
| HERRING, RICHARD, FULLER3 | 246 IVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT | $7 | — | $7 | 0.01% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC,ATTNKEN RAY | PO BOX 789 TUPELO, MS 38802 | PROVIDENT LIFE AND ACCIDENT | $1K | — | $1K | 5.05% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | PO BOX 250 2909 13TH ST FL 4 GULF PORT, MS 39502 | PROVIDENT LIFE AND ACCIDENT | $294 | $8 | $302 | 1.14% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 INVERNESS CENTER PKWY, STE 100 BIRMINGHAM, AL 35245 | PROVIDENT LIFE AND ACCIDENT | $67 | — | $67 | 0.25% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT | $57 | — | $57 | 0.22% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39501 | PROVIDENT LIFE AND ACCIDENT | $15 | — | $15 | 1.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULFPORT, MS 39501 | PROVIDENT LIFE AND ACCIDENT | $12 | — | $12 | 3.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | $3.8M |
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 | 6,020 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 5,013 | $3.1M |
| Vision | VISION SERVICE PLAN | 4,577 | $839K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 6,020 | $3.1M |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 5,368 | $689K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 6,020 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,020 | — |
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.