| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL MURPHY3 | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $30K | — | $30K | 4.16% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | PO BOX 14207 JACKSON, MS 39236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 25.03% |
| BXS INSURANCE INC3 | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $240 | — | $240 | 15.00% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 872 | $710K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $57K |
| Vision | VISION SERVICE PLAN | 439 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 808 | $9K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.