| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MOODY3 | — | BLUE CROSS BLUE SHIELD OF MISSISSIPPI, INC. | $67K | — | $67K | 3.89% |
| JAMES MOODY3 | 2909 13TH STREET GULFPORT, MS 39501 | GULF GUARANTY LIFE INSURANCE COMPANY | $63K | — | $63K | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 525 E CAPITOL ST JACKSON, MS 39201 | COMPANION LIFE | $7K | — | $7K | 1.88% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS & ASSOCIATES INC | 1973 OAK TREE COVE HERNANDO, MS 38632 | COMPANION LIFE | $5K | — | $5K | 1.32% |
| MAGNA MONROE MANAGEMENT GROUP LTD3 | 895 PARK AVE MANDEVILLE, LA 70448 | COMPANION LIFE | $3K | — | $3K | 0.81% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 525 E CAPITOL ST JACKSON, MS 39201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 26.31% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 525 E CAPITOL ST JACKSON, MS 39201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI, INC. | 359 | $1.7M |
| Dental | COMPANION LIFE | 339 | $365K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 320 | $38K |
| Life insurance | COMPANION LIFE | 339 | $365K |
| Other(3 contracts, 3 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 363 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.