| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL C MURPHY | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $115K | — | $115K | 4.12% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $1K | $29K | 12.49% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | PO BOX 14207 JACKSON, MS 39236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 28.83% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 19.68% |
| BXS INSURANCE INC3 | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $6K | — | $6K | 9.17% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 20.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 20.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.01% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 876 | $2.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 462 | $233K |
| Vision | VISION SERVICE PLAN | 433 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $99K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $56K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 429 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.