| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 150 W WAUSAU AVE WAUSAU, WI 54401 | BERKLEY LIFE | $92K | $28 | $92K | 19.43% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | PO BOX 3809 BATON ROUGE, LA 70821 | ELIXIR RX | — | $5K | $5K | 1.52% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 15.73% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $22K | — | $22K | 16.13% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $22K | — | $22K | 18.31% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $17K | — | $17K | 18.32% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $710 | $8K | 25.24% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $662 | $8K | 25.06% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 18.39% |
| 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 | $291 | — | $291 | 1.30% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $276 | — | $276 | 1.23% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULFPORT, MS 39502 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $214 | — | $214 | 0.96% |
| 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 | $16 | — | $16 | 0.07% |
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 | 613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BERKLEY LIFE | 432 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 256 | $210K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 256 | $210K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 613 | $143K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 163 | $91K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 189 | $139K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE | 253 | $729K |
| Other(3 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.