| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE BAILEY3 | 2909 13TH ST FL 4 PO BOX 250 GULF PORT, MS 39502 | BLUE CROSS BLUE SHIELD OF MS, INC. | $25K | — | $25K | 4.36% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE | PO BOX 250 GULFPORT, MS 39502 | STARMONT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.35% |
| MISSISSIPPI MANUFACTURERS ASSOC3 Filed as: MISSISSIPPI MANUFACTURERS ASSON | PO BOX 22607 JACKSON, MS 39225 | STARMONT LIFE INSURANCE COMPANY | $453 | — | $453 | 1.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICE | 2909 13TH STREET FOURTH FLOOR GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $94 | $3K | 13.53% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICE | 2909 13TH ST FL 4 PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $63 | $2K | 10.06% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 14.37% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 10.00% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | PO BOX 22607 JACKSON, MS 39225 | NATIONAL GUARDIAN LIFE | $241 | — | $241 | 2.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $129 | — | $129 | 2.17% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $20 | — | $20 | 2.22% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $14 | — | $14 | 2.04% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 167 | $580K |
| Dental | STARMONT LIFE INSURANCE COMPANY | 81 | $45K |
| Vision | STARMONT LIFE INSURANCE COMPANY | 81 | $45K |
| Life insurance | NATIONAL GUARDIAN LIFE | 112 | $12K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $23K |
| Other(6 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 112 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.