| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACIE MCPHERSON3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $16K | — | $16K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 920 EBENEZER BOULEVARD SUITE A MADISON, MS 39110 | GULF GUARANTY LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $343 | $343 | 0.38% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LANE SUITE 400 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 16.03% |
| BXS INSURANCE INC3 | PO BOX 1503 TUPELO, MS 38802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BXS INSURANCE INC3 | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $259 | $259 | 0.74% |
| BXS INSURANCE INC3 | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
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 | 126 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 237 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $91K |
| Vision | VISION SERVICE PLAN | 134 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $35K |
| Other(3 contracts, 3 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 392 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.