| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | BERKLEY LIFE | $0 | — | $0 | 0.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | PO BOX 3809 BATON ROUGE, LA 70821 | ELIXIR SOLUTIONS | — | $36K | $36K | 7.84% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULFPORT, MS 39502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 12.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.34% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | P.O. BOX 250 GULFPORT, MS 39502 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $20K | — | $20K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULFPORT, MS 39502 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $27K | — | $27K | 22.26% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULFPORT, MS 39502 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $20K | — | $20K | 22.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | P.O. BOX 250 GULFPORT, MS 39502 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | — | $6K | 26.09% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 21.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.89% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 22.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 235 HIGHLANDIA DR STE 100 BATON ROUGE, LA 70810 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.39% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3500 N CAUSEWAY BLVD SUITE 1442 METARIE, LA 70002 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $226 | — | $226 | 1.40% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $214 | — | $214 | 1.33% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | PO BOX 250 GULFPORT, MS 39502 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $128 | — | $128 | 0.80% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | ALLSTATE - AMERICAN HERITAGE LIFE INS COMPANY | $13 | — | $13 | 0.08% |
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 | 739 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE | 372 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 453 | $196K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 453 | $196K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 739 | $138K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 247 | $89K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 265 | $131K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 218 | $737K |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 493 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.