Form 5500 · Employee benefit plan · TUPELO, MS
CADENCE BANK
The filing calls this plan CADENCE EMPLOYEE WELFARE BENEFIT PLAN.
CADENCE BANK of TUPELO, MS spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GALLAGHER BENEFIT SERVICES INC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 64-0117230 · plan 510 · plan year 2025, filed Sep 17, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
312 other employer plans in Mississippi have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: scholarship, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 2,757 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
Reported premium across the insured contracts is $5,305,998, with $848,335 in disclosed broker commissions — about 16% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
GALLAGHER BENEFIT SERVICES INC is the broker of record on 5 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 2,757 | Jan 1, 2026 | $1,726,717 | $431,680 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 2,478 | Jan 1, 2026 | $888,794 | $177,759 |
| VISION SERVICE PLAN | Vision | 4,146 | Jan 1, 2026 | $721,373 | $92,775 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 4,690 | Jan 1, 2026 | $596,775 | $44,758 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 1,734 | Jan 1, 2026 | $205,590 | $41,118 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 2,498 | Jan 1, 2026 | $295,292 | $31,526 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 5,806 | Jan 1, 2026 | $829,519 | $20,738 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 46 | Jan 1, 2026 | $31,865 | $5,906 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | Jan 1, 2026 | — | $1,510 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 21 | Jan 2, 2026 | $10,073 | $565 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30079110. For the contract year on this filing, the carrier reported $721,373 in premium earned and $509,892 in claims incurred. Dividing one by the other gives 71%.
- VISION SERVICE PLAN, contract 30079110 reported $180,343 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Mississippi. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
312 other employer plans in Mississippi are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Mississippi — largest plans, brokers, carriers and renewal months.