| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | DELTA DENTAL INSURANCE | $33K | $22K | $55K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE CO | $64K | $18K | $82K | 9.11% |
| CHILD HEALTH CORP OF AMERICA4 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | CONTINENTAL AMERICAN INSURANCE CO | $21K | — | $21K | 2.29% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | RELIANCE STANDARD LIFE INSUR CO | $152K | $0 | $152K | 18.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSUR CO | $101K | — | $101K | 12.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $857 | $4K | 1.95% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | RELIANCE STANDARD LIFE INSUR CO | $17K | — | $17K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSUR CO | $10K | — | $10K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 235 HIGHLANDIA DRIVE STE 200 BATON ROUGE, LA 70810 | HCC LIFE INSURANCE COMPANY | $18K | — | $18K | 17.55% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEB-TPA EIN 75-2611444 CLAIMS PROCESSING | Claims processing Service code 12 | — | $400K |
| HIGH CARE HEALTH EIN 84-2631667 CASE MANAGEMENT | Claims processing Service code 12 | — | $231K |
| HEALTHCARE HIGHWAYS OF LA INC EIN 32-0459718 NETWORK ACCESS FEES | Employee (plan) Service code 30 | — | $96K |
| VERITY HEALTHNET LLC EIN 45-0510673 NETWORK ACCESS FEES | Employee (plan) Service code 30 | — | $84K |
| DIVERSIFIED BENEFIT SERVICES EIN 39-1695622 FLEX SPENDING ACCT ADMIN | Claims processing Service code 12 | — | $31K |
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 | 2,673 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSUR CO | 2,232 | $378K |
| Dental | DELTA DENTAL INSURANCE | 2,178 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,894 | $213K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE CO | 2,091 | $897K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 2,091 | $1.7M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE CO | 2,091 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.