| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSUR. SERVICES, INC. | 4041 ESSEN LANE BATON ROUGE, LA 70809 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 1.84% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVS INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $4K | $47K | 16.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $164K |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 190 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 190 | $2.2M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 190 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 496 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.