| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE | 3310 N UNIVERSITY DR NACOGDOCHES, TX 75965 | HEALTH CARE SERVICE CORPORATION | $86K | $10K | $96K | 1.44% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERV INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
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 | 1,776 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,776 | $6.6M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,776 | $6.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,390 | $62K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 1,776 | $6.6M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 1,776 | $6.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,390 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.