| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $21K | — | $21K | 3.13% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2909 13TH STREET FLOOR 4 GULFPORT, MS 39501 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.44% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 2909 13TH STREET FLOOR 4 GULF PORT, MS 39502 | STARMOUNT LIFE INSURANCE COMPANY | — | $680 | $680 | 1.27% |
| 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 | 19.03% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $947 | $5K | 18.82% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $626 | $3K | 18.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2909 13TH STREET FLOOR 4 GULF PORT, MS 39501 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 20.57% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P O BOX 250 2909 13TH STREET FLOOR 4 GULF PORT, MS 39502 | STARMOUNT LIFE INSURANCE COMPANY | — | $209 | $209 | 2.49% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $320 | $2K | 18.85% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | $77 | $353 | 19.17% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 97 | $62K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 97 | $62K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 69 | $663K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 69 | $663K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.