| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. 082112 | PO BOX 631202 NACOGDOCHES, TX 759631202 | HEALTH CARE SERVICES CORPORATION | $23K | — | $23K | 4.45% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 00040D005513 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 00040D005513 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $151 | $151 | 0.62% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010046415 | PO BOX 3809 2103 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010046415 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $74 | $74 | 0.53% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010021221 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010021221 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $45 | $45 | 0.53% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010021220 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 000010021220 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $37 | $37 | 0.48% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 0040F00100 | PO BOX 3809 BATON ROUGE, LA 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | — | $516 | 14.99% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC 0040F00100 | PO BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31 | $31 | 0.90% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 114 | $525K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $8K |
| Prescription drug | HEALTH CARE SERVICES CORPORATION | 114 | $525K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICES CORPORATION | 114 | $525K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
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.