| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $785 | $27K | 14.85% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | P.O. BOX 250 GULFPORT, MS 395020250 | METROPOLITAN LIFE INSURANCE COMPANY | $325 | — | $325 | 0.18% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 5.00% |
| BANCORP SOUTH INSURANCE SERVICES3 Filed as: BANCORP SOUTH INSURANCE SERVICE INC | P.O. BOX 251510 LITTLE ROCK, AR 72225 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $108K |
| BXS INSURANCE INC. EIN 72-1381997 BROKER | Other commissions Service code 55 | PO BOX 3809 BATON ROUGE, LA 708213809 | $42K |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 369 | $113K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 228 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $181K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $181K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $247K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.