| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $46K | $23K | $70K | 5.25% |
| PRUDENTIAL INSURANCE COMPANY3 Filed as: THE PRUDENTIAL INSURANCE COMPANY | PO BOX 7827 PHILADELPHIA, PA 19176 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $30 | $33K | 15.01% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | AMERITAS LIFE INSURANCE CORP. | $12K | $631 | $13K | 10.52% |
| RIEHM BENEFITS LLC3 Filed as: RIEHM BENEFITS, LLC. | 1 ZION STREET KENNER, LA 70065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 23.49% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.65% |
| THE PRODUCERS GROUP, INC3 Filed as: THE PRODUCERS GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | $0 | $74 | 0.23% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 125 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 255 | $122K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 255 | $122K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $218K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $250K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $218K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 125 | $1.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.