| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA CORPORATION | PO BOX 645014 CINCINNATI, OH 45264 | HEALTHSCOPE BENEFITS | $48K | — | $48K | 7.36% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | PO BOX 3809 BATON ROUGE, LA 70821 | ELIXIR RX | — | $156K | $156K | 66.33% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $2K | $34K | 16.84% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $24K | 19.88% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $2K | $21K | 21.91% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $16K | 22.13% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70821 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 25.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70821 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 25.00% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULFPORT, MS 39502 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $526 | — | $526 | 1.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3525 N CAUSEWAY BLVD STE 815 METAIRIE, LA 70002 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $328 | — | $328 | 1.12% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 3975 O'NEAL LN SUITE B BATON ROUGE, LA 70818 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $311 | — | $311 | 1.06% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $17 | — | $17 | 0.06% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $277 | $3K | 21.96% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHSCOPE BENEFITS | 415 | $882K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $200K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $200K |
| Life insurance(2 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 507 | $125K |
| Short-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $73K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $120K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS | 220 | $647K |
| Other(3 contracts) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 506 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.