| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $25K | $20K | $44K | 3.35% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | AMERITAS LIFE INSURANCE CORP | $10K | — | $10K | 10.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 11.69% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 214 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 242 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP | 242 | $101K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $79K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 214 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.