| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | P.O. BOX 2181 LITTLE ROCK, AR 722032181 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $86K | $86K | 13.83% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVS INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | ARKANSAS BLUE CROSS BLUE SHIELD | $22K | — | $22K | 3.52% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $15K | 9.44% |
No Schedule C service providers reported on this filing.
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 138 | $621K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $156K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $156K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 138 | $621K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.