| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | $8K | $112K | 27.02% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $5K | $31K | 11.90% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $5K | $29K | 11.88% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $24K | 16.82% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $18K | 17.13% |
| BXS INSURANCE INC3 | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
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 | 1,120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,120 | $259K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,120 | $241K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,120 | $413K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,120 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.