| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 631202 NACOGDOCHES, TX 75963 | BLUECROSS BLUESHIELD OF TEXAS | — | $44 | $44 | 0.00% |
| 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 | $56K | — | $56K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 15.00% |
| BANCORP SOUTH INSUR SERVCS INC3 | 3310 NORTH UNIVERSITY DRIVE NACOGDOCHES, TX 75965 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.48% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 251510 8315 CANTRELL ROAD SUITE 300 LITTLE RICK, AR 72227 | STANDARD INSURANCE COMPANY | $81K | $8K | $89K | 63.35% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
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 | 2,382 | 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) | 2,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,359 | $155K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,377 | $465K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 853 | $262K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,692 | $1.7M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,377 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,377 | — |
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.