| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE BAILEY3 | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $32K | — | $32K | 3.50% |
| DANIEL ROBERSON3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $20K | — | $20K | 2.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AZ 72227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 13.46% |
| KYLE BAILEY3 | CONNIE BONSIGNORE 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | AMFIRST | $14K | — | $14K | 15.00% |
| DAVID WHITE3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | — | $3K | 3.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $2K | — | $2K | 2.00% |
| KYLE BAILEY3 | CONNIE BONSIGNORE 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | AMFIRST | $10K | — | $10K | 12.33% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $4K | — | $4K | 5.00% |
| JAMES KLEIN3 | HIGGINBOTHAM INSURANCE AGENCY, INC 500 WEST 13TH STREET FORT WORTH, TX 76102 | AMFIRST | $2K | — | $2K | 2.66% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 21.53% |
| MWG BENEFITS INC3 | 5722 I-55 NORTH FRONTAGE ROAD JACKSON, MS 39211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $508 | — | $508 | 3.42% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.06% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 286 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $418K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $418K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $418K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $418K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $418K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.