| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 14.04% |
| 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 SVCS INC | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 3809 BATON ROUGE, LA 708213809 | NATIONAL GUARDIAN LIFE | $12K | — | $12K | 15.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $1K | — | $1K | 7.69% |
| 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 | $733 | — | $733 | 7.52% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $596 | — | $596 | 6.80% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $658 | — | $658 | 7.93% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $436 | — | $436 | 8.56% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51132 | $339 | — | $339 | 8.07% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | 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 | $248 | — | $248 | 8.71% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74837 | $153 | — | $153 | 7.25% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74838 | $121 | — | $121 | 7.93% |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE AND HEALTH INSURANCE CO (US) | 774 | $364K |
| Vision | NATIONAL GUARDIAN LIFE | 519 | $78K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,044 | $319K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 582 | $398K |
| Other(12 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,044 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.