| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STHEALTH BENFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | PO BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 10.09% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $2K | $11K | 11.68% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | P.O. BOX 3809 BATON ROUGE, LA 708213809 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $289 | $2K | 11.75% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P.O. BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $350 | $61 | $411 | 11.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $310K |
| BXS INSURANCE INC EIN 72-1381997 BROKER | Other commissions Service code 55 | — | $22K |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 501 | $432K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,004 | $211K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 414 | $57K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $16K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $95K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.