| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $20K | $15K | $35K | 5.08% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.69% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $40 | $40 | 0.05% |
| BXS INSURANCE INC3 | PO BOX 3809 BATON ROUGE, LA 70821 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.35% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 67 | $683K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 52 | $38K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 52 | $38K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 118 | $88K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 118 | $88K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 67 | $683K |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 118 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.