| 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 INSURANCE | $24K | — | $24K | 11.05% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC. | 2909 13TH ST FL 4 GULFPORT, MS 395011943 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.03% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC | 3340 PEACHTREE RD NE STE 1525 ATLANTA, GA 303267402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $274K |
| CADENCE INSURANCE INC EIN 72-1381997 BROKER | Other commissions Service code 55 | — | $18K |
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 | 628 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN INSURANCE | 503 | $221K |
| Vision | GUARDIAN INSURANCE | 503 | $221K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $72K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $72K |
| Other(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 656 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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."
No prospect flags tripped on this filing.