| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC Filed as: BXS INSURANCE INC. | PO BOX 3809 BATON ROUGE, LA 70821 | DELTA DENTAL INSURANCE | $34K | $23K | $57K | 5.21% |
| BXS INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | RELIANCE STANDARD LIFE INSUR COMPANY | $142K | — | $142K | 18.00% |
| FORESTER BENEFITS MANAGEMENT LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSUR COMPANY | $95K | $7K | $102K | 12.93% |
| BXS INSURANCE INC Filed as: BXS INSURANCE INC. | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 5.71% |
| BXS INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | RELIANCE STANDARD LIFE INSUR COMPANY | $16K | — | $16K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSUR COMPANY | $10K | $1K | $11K | 6.92% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 10.78% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | PO BOX 3809 BATON ROUGE, LA 70821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED BENEFIT SERVICES EIN 39-1695622 FLEX SPENDING ACCT ADMIN | Claims processing Service code 12 | — | $25K |
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 | 2,351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSUR COMPANY | 508 | $295K |
| Dental | DELTA DENTAL INSURANCE | 2,117 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,394 | $206K |
| Short-term disability | RELIANCE STANDARD LIFE INSUR COMPANY | 912 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,394 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.