| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 722272357 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 13.15% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $955 | — | $955 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANCORPSOUTH INSURANCE SERVICES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 8315 CANTRELL ROAD LITTLE ROCK, AR 72227 | $49K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 VENDOR - NETWORK ADMIN. | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $34K |
| HEALTH LINK, INC. VENDOR - NETWORK ADMIN. | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST. LOUIS, MO 63141 | $792 |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $324K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.