| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA CORPORATION | PO BOX 645014 CINCINNATI, OH 45264 | HEALTHSCOPE BENEFITS | $59K | — | $59K | 6.90% |
| UNITED STATES FIRE INSURANCE COMP.3 | 5 CHRISTOPHER WAY, 3RD FLOOR EATONTOWN, NJ 07724 | HEALTHSCOPE BENEFITS | $43K | — | $43K | 5.10% |
| HEALTHIESTYOU3 | 20909 N. 90TH PL. STE. 105 SCOTTSDALE, AZ 85255 | HEALTHSCOPE BENEFITS | $17K | — | $17K | 2.04% |
| TIKIA CONSULTING GROUP INC3 | 3525 NORTH CAUSEWAY BLVD. STE. 815 METAIRIE, LA 70002 | HEALTHSCOPE BENEFITS | $3K | — | $3K | 0.37% |
| TIKIA CONSULTING GROUP INC3 | 3525 NORTH CAUSEWAY BLVD. STE. 815 METAIRIE, LA 70002 | GUARDIAN | $50K | $2K | $53K | 15.08% |
| CORY TUCKER & LARROWE INC3 | 3850 NORTH CAUSEWAY BLVD. STE. 1360 METAIRIE, LA 70002 | GUARDIAN | $27K | — | $27K | 7.76% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | 8315 CANTRELL RD. STE. 300 LITTLE ROCK, AR 72227 | GUARDIAN | $17K | — | $17K | 4.76% |
| TIKIA CONSULTING GROUP INC3 | 3525 NORTH CAUSEWAY BLVD. STE. 815 METAIRIE, LA 70002 | DAVIS VISION | $3K | — | $3K | 5.33% |
| CORY TUCKER & LARROWE INC3 | 3850 NORTH CAUSEWAY BLVD. STE. 1360 METAIRIE, LA 70002 | DAVIS VISION | $3K | — | $3K | 5.25% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | 8315 CANTRELL RD. STE. 300 LITTLE ROCK, AR 72227 | DAVIS VISION | $1K | — | $1K | 2.43% |
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 | 537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHSCOPE BENEFITS | 332 | $849K |
| Dental | GUARDIAN | 537 | $348K |
| Vision | DAVIS VISION | 518 | $51K |
| Life insurance | GUARDIAN | 537 | $348K |
| Short-term disability | GUARDIAN | 537 | $348K |
| Long-term disability | GUARDIAN | 537 | $348K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS | 332 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.