| 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 | $90K | $12K | $102K | 0.95% |
| 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% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS LLS | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $317 | $317 | 0.49% |
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 | 1,787 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,787 | $10.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,787 | $10.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,444 | $65K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 1,787 | $10.7M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 1,787 | $10.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,444 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,787 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.