| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA CORPORATION | PO BOX 645014 CINCINNATI, OH 45264 | HEALTHSCOPE BENEFITS | $32K | — | $32K | 4.86% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | PO BOX 3809 BATON ROUGE, LA 70821 | ELIXIR RX | — | $17K | $17K | 6.97% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $2K | $32K | 16.99% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $14K | — | $14K | 17.50% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $11K | — | $11K | 20.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 17.39% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | — | $9K | 20.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70821 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 25.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70821 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 25.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 20.00% |
| 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 | $318 | — | $318 | 1.23% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $302 | — | $302 | 1.17% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULFPORT, MS 39502 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $259 | — | $259 | 1.00% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS - AN ALERA GROUP AGENC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $17 | — | $17 | 0.07% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 20.00% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
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 | 522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHSCOPE BENEFITS | 343 | $905K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $186K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $186K |
| Life insurance(3 contracts, 3 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 522 | $122K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 145 | $77K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 178 | $130K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS | 210 | $663K |
| Other(4 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 325 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.