| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LN SUITE 400 BATON ROUGE, LA 70809 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 4.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.92% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.75% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $230 | $2K | 10.34% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $652 | $3K | 19.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 250 GULFPORT, MS 39502 | AFLAC | $891 | — | $891 | 6.44% |
| SHAWN JONES3 | 44562 HART ROAD HAMMOND, LA 70403 | AFLAC | $584 | $103 | $687 | 4.97% |
| MARGA JANE TABOR3 Filed as: MARGA TABOR | 9154 RUE DE VIEUX CARRE DENHAM SPRINGS, LA 70706 | AFLAC | $133 | — | $133 | 0.96% |
| PATRICE MCCARDLE HEINE3 | 10281 THIBODEAUX ROAD DENHAM SPRINGS, LA 70706 | AFLAC | $77 | — | $77 | 0.56% |
| DAVID MARKS3 | 3011 CANEWOOD LANE BATON ROUGE, LA 70809 | AFLAC | $71 | — | $71 | 0.51% |
| SHAWN M CASTLEMAN3 Filed as: SHAWN CASTLEMAN | 4021 WE HECK CT SUITE J BATON ROUGE, LA 70816 | AFLAC | $71 | — | $71 | 0.51% |
| JOHN R CAMBRE3 Filed as: JOHN CAMBRE | 10093 ISLAND RD VENTRESS, LA 70783 | AFLAC | $52 | $14 | $66 | 0.48% |
| ETHAN BOUILLION3 | 2750 MILLERVILLE RD APT 12204 BATON ROUGE, LA 70616 | AFLAC | $62 | — | $62 | 0.45% |
| RYAN BENTON WILLIAMS3 Filed as: RYAN WILLIAMS | 12526 LAKE LAMOND AVE BATON ROUGE, LA 70816 | AFLAC | $40 | — | $40 | 0.29% |
| FRANKLIN W STOUTE3 Filed as: FRANKLIN STOUTE | 2388 PEACH BLOOM HWY CHURCH POINT, LA 70525 | AFLAC | $25 | $14 | $39 | 0.28% |
| AARON ABRAMS COX3 Filed as: AARON COX | 38036 MAPLE RIDGE DR PRAIRIEVILLE, LA 70769 | AFLAC | $36 | — | $36 | 0.26% |
| KAREN LYNN GRACZYK3 Filed as: KAREN GRACZYK | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $24 | — | $24 | 0.17% |
| ROGER JONES II3 Filed as: ROGER JONES | 12902 WICKERHILL FALLS CT HMBLE, TX 77346 | AFLAC | $18 | — | $18 | 0.13% |
| MICHELLE D VEAL3 Filed as: MICHELLE VEAL | 7284 EFFIE DR DENHAM SPRINGS, LA 70706 | AFLAC | $18 | — | $18 | 0.13% |
| ROCKY B CUNNINGHAM JR3 Filed as: ROCKY CUNNINGHAM JR | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $15 | — | $15 | 0.11% |
| EDWARD L MARTINA III3 Filed as: EDWARD MARTINA III | 100 GENNA LN YOUNGSVILLE, LA 70592 | AFLAC | $6 | — | $6 | 0.04% |
| RONNY HUCKABEE3 | 144003 WHISPERING VALLEY DRIVE CYPRESS, TX 77429 | AFLAC | $6 | — | $6 | 0.04% |
| JEFF MUSGROVE3 | 31300 STONEBRIDGE PKWY WALLER, TX 77484 | AFLAC | $4 | — | $4 | 0.03% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $2 | — | $2 | 0.01% |
| ERROL WILKEN3 | 5204 CRAIG AVE KENNER, LA 70065 | AFLAC | $2 | — | $2 | 0.01% |
| ERIN KOSTER GIUSTI3 Filed as: ERIN GUISTI | 4828 FOLSE DR METAIRE, LA 70006 | AFLAC | $2 | — | $2 | 0.01% |
| BYRON KEITH BURRELL3 Filed as: BYRON BURELL | 364 ARKAVALLEY RD GREENBRIAR, AR 72058 | AFLAC | $2 | — | $2 | 0.01% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $1 | — | $1 | 0.01% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | — | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 100.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 173 | $12K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 172 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $76K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.