| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 17.37% |
| BXS INSURANCE INC3 | P.O. BOX 3809 BATON ROUGE, LA 70821 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.61% |
| BANCORP SOUTH INS SRVCS INC3 Filed as: BANCORP SOUTH INS SRVC INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.30% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.56% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE | $6K | $902 | $7K | 17.38% |
| PATRICE ELAINE MCCARDLE-HEINE3 Filed as: PATRICE ELAINE MCCRADLE-HEINE | 10281 THIBODEAUX RD DENHAM SPRINGS, LA 70706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.31% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.05% |
| MATTHEW MEHLON3 | P.O. BOX 80521 BATON ROUGE, LA 70898 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $17 | $449 | 1.24% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P.O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $43 | $410 | 1.13% |
| GREG H TOWN3 | 4826 JAMESTOWN AVE STE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 0.89% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD ROAD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.40% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DR COLORADO SPRINGS, CO 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.26% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.24% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.09% |
| ROXY KUGLER3 | 20031 LA HWY 16 DENHAM SPRINGS, LA 70726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TRACY HANAGRIFF3 | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BANCORP SOUTH INS SRVCS INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $561 | $4K | 17.48% |
| PATRICE ELAINE MCCARDLE-HEINE3 | 10281 THIBODEAUX RD DENHAM SPRINGS, LA 70706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $0 | $155 | 3.12% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 1.45% |
| GREG H TOWN3 | 4826 JAMESTOWN AVE STE 2B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.79% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P.O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $2 | $36 | 0.72% |
| BRANDY FAUCHEUX3 | 12310 ARNOLD ROAD WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.58% |
| LES-LEIGH CARGILL3 | 1280 ALMAGRE PEAK DRIVE COLORADO SPRINGS, LA 80921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.38% |
| STEVEN MULLEN3 Filed as: STEVEN MULLAN | 8685 JOOR ROAD BATON ROUGE, LA 70818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.22% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.18% |
| BLANCHARD E SANCHEZ3 Filed as: BLANCHARD SANCHEZ | C/O MCARTHUR SANCHEZ ASSOC BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 8702 JEFFERSON HWY BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| WRIGHT & PERCY OF BANCORP SOUTH3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | BLUE CROSS BLUE SHIELD | $36K | $14K | $49K | — |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 667 | $0 |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 142 | $88K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 142 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 34 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $109K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 667 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 667 | $0 |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.