| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCORP SOUTH INSURANCE SERVICES3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $13K | $13K | $26K | 4.24% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | STARMOUNT LIFE INS. CO. | $4K | — | $4K | 10.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $615 | $5K | 17.07% |
| BANCORP SOUTH INSURANCE SERVICES3 Filed as: BANCORP SOUTH INSURANCE SERVICES IN | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $213 | $3K | 16.14% |
| BANCORP SOUTH INS SRVCS INC3 Filed as: BANCORP SOUTH INS SERVCS INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $398 | $3K | 17.17% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $982 | $140 | $1K | 17.13% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 101 | $619K |
| Dental | STARMOUNT LIFE INS. CO. | 106 | $45K |
| Vision | STARMOUNT LIFE INS. CO. | 106 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $19K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 101 | $619K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.