| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | ATTN ACCOUNTING 4041 ESSED LANE SUITE 400 BATON ROUGE, LA 70809 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.10% |
| GILSBAR GROUP BENEFITS LLC3 | SUITE A 2100 COVINGTON CENTRE COVINGTON, LA 70433 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $972 | — | $972 | 1.03% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $21 | $21 | 0.02% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | SUITE 400 4041 ESSEN LANE BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.42% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | PO BOX 250 2909 13TH STREET FLOOR 4 GULF PORT, MS 39503 | STARMOUNT LIFE INSURANCE COMPANY | — | $712 | $712 | 1.74% |
| GILSBAR, LLC3 Filed as: GILSBAR | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | STARMOUNT LIFE INSURANCE COMPANY | $367 | — | $367 | 0.90% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 62 | $41K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 62 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 106 | $95K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 106 | $95K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 81 | $308K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 106 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.