| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $5K | $44K | 7.89% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $80K | $7K | $87K | 15.81% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $7K | $49K | 11.55% |
| BXS INSURANCE INC3 | P O BOX 3809 BATON ROUGE, LA 708213809 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $2K | — | $2K | 8.11% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $2K | $84 | $2K | 15.63% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $846 | — | $846 | 7.39% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51128 | $829 | — | $829 | 7.68% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $841 | — | $841 | 8.18% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $603 | — | $603 | 8.93% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51132 | $395 | — | $395 | 8.11% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 96232 | $308 | — | $308 | 9.15% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $470 | $19 | $489 | 15.61% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74837 | $247 | — | $247 | 8.02% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74838 | $233 | — | $233 | 8.65% |
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 | 1,190 | 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) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,019 | $563K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 742 | $103K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,339 | $421K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,036 | $548K |
| Other(12 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,339 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,339 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.