| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 6.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 2.18% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.63% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 19.59% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $745 | $3K | 19.39% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $361 | $2K | 19.54% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $291 | $85 | $376 | 19.39% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $326K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $326K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $17K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $326K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $326K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.