| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 631202 NACOGDOCHES, TX 75963 | BLUECROSS BLUESHIELD OF TEXAS | $166K | $17K | $183K | 1.70% |
| ELLIOTT ELECTRIC SUPPLY, INC.3 | PO BOX 630610 NACOGDOCHES, TX 75963 | BLUECROSS BLUESHIELD OF TEXAS | — | $4 | $4 | 0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 11.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 11.70% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $611 | $611 | 0.80% |
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 | 2,101 | 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) | 2,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,096 | $397K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $190K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,307 | $10.8M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,096 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.