| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $28K | 17.10% |
| BXS INSURANCE INC3 | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 17.16% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 10.62% |
| BANCORP SOUTH INSURANCE3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | EYE MED | $8K | — | $8K | 10.61% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | EYE MED | $5K | — | $5K | 5.97% |
| ASSUREX GLOBAL CORPORATION3 | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | EYE MED | $575 | — | $575 | 0.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM INSURANCE COMPANY | $25K | $783 | $26K | 46.90% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $11K | — | $11K | 19.50% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $419 | $419 | 0.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM INSURANCE COMPANY | $14K | $507 | $14K | 27.14% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $6K | — | $6K | 11.22% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $268 | $268 | 0.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TN 77036 | UNUM INSURANCE COMPANY | $7K | $282 | $7K | 21.39% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | UNUM INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULF PORT, MS 39502 | UNUM INSURANCE COMPANY | — | $144 | $144 | 0.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $141K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Other fees Service code 50 | — | $96K |
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 NONE | Other fees; Direct payment from the plan Service code 50 | — | $51K |
| MEMD, INC. EIN 46-3279589 NONE | Other fees; Direct payment from the plan Service code 50 | — | $12K |
| HEALTHCARE BLUEBOOK, INC. EIN 46-4399706 NONE | Direct payment from the plan; Other fees Service code 50 | — | $10K |
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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 216 | $33K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 294 | $0 |
| Vision | EYE MED | 826 | $76K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $301K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $207K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $181K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.