| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.60% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $126 | $126 | 0.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF LOUISIANA | PO BOX 98029 BATON ROUGE, LA 70898 | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $347K | $347K | — |
| COBRA PROFESSIONALS INC5 | 6421 PERKINS RD BLDG A SUITE 2A BATON ROUGE, LA 70808 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $0 | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BXS INSURANCE INC EIN 72-1381997 BROKER | Insurance agents and brokers Service code 22 | PO BOX 3809 BATON ROUGE, LA 70821 | $5K |
| HUB INTERNATIONAL GULF SOUTH LTD EIN 35-0672425 BROKER | Insurance agents and brokers Service code 22 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | $4K |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 306 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 232 | $67K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF LOUISIANA | 306 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.