| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE BAILEY3 | 2909 13TH STREED FLOOR 4 PO BOX 250 GULF PORT, MS 39502 | BLUE CROSS BLUE SHIELD OF MS, INC. | $24K | — | $24K | 3.85% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE | PO BOX 250 GULFPORT, MS 39502 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.34% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | PO BOX 22607 JACKSON, MS 39225 | STARMOUNT LIFE INSURANCE COMPANY | $464 | — | $464 | 1.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | PO BOX 250 2909 13TH STREET FLOOR 4 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $320 | $4K | 8.98% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | PO POX 250 2909 13TH STREET FLOOR 4 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $270 | $2K | 9.64% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 13.94% |
| 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 | $110 | — | $110 | 2.00% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $15 | — | $15 | 2.00% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | PO BOX 22607 JACKSON, MS 39225 | NATIONAL GUARDIAN LIFE | $54 | — | $54 | 10.04% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | PO BOX 3809 BATON ROUGE, LA 70821 | NATIONAL GUARDIAN LIFE | $11 | — | $11 | 2.04% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $10 | — | $10 | 1.92% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 170 | $623K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 88 | $46K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 88 | $46K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $40K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.