| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $537 | $6K | 12.88% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BXS INSURANCE INC3 | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC | 258 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $93K |
| Vision | VISION SERVICE PLAN | 135 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $34K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.