| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICE INC | P.O. BOX 1601 HATTIESBURG, MS 39403 | SUNLIFE AND HEALTH INSURANCE CO (US) | $36K | — | $36K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 7.50% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC | P O BOX 1976 HATTIESBURG, MS 39403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.51% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | P.O. BOX 1976 HATTIESBURG, MS 39403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 14.91% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | P O BOX 3809 BATON ROUGE, LA 708213809 | NATIONAL GUARDIAN LIFE | $10K | — | $10K | 13.71% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $1K | — | $1K | 6.89% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVC INC | P.O. BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51128 | $885 | — | $885 | 7.12% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $592 | — | $592 | 6.12% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $706 | — | $706 | 7.51% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $409 | — | $409 | 8.24% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51132 | $333 | — | $333 | 7.49% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P.O. BOX 1311 HATTIESBURG, MS 39403 | HARTFORD LIFE AND ACCIDENT | $470 | — | $470 | 15.01% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 96232 | $216 | — | $216 | 8.20% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74837 | $156 | — | $156 | 6.70% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74838 | $94 | — | $94 | 6.91% |
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 | 913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE AND HEALTH INSURANCE CO (US) | 733 | $364K |
| Vision | NATIONAL GUARDIAN LIFE | 467 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 976 | $310K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 582 | $194K |
| Other(12 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 976 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.