| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE BAILEY3 | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $57K | — | $57K | 3.35% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 12.11% |
| KYLE BAILEY3 | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | AMFIRST INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| DAVID WHITE3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 13.97% |
| MWG BENEFITS INC3 | 5722 I-55 NORTH FRONTAGE ROAD JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $981 | — | $981 | 3.61% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 422 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $290K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $290K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $290K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $290K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 284 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.