| 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 | $50K | $21K | $71K | 9.97% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | $20K | $92K | 16.89% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $23K | $70K | 14.80% |
| BXS INSURANCE INC3 | P O BOX 3809 BATON ROUGE, LA 708213809 | NATIONAL GUARDIAN LIFE | $16K | — | $16K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $2K | — | $2K | 8.30% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51128 | $874 | — | $874 | 8.11% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $830 | — | $830 | 7.73% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $846 | — | $846 | 8.62% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $554 | — | $554 | 9.03% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51132 | $422 | — | $422 | 8.88% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 96232 | $315 | — | $315 | 9.57% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $470 | — | $470 | 15.01% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74837 | $222 | — | $222 | 8.18% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74838 | $235 | — | $235 | 8.76% |
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 | 1,254 | 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) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,063 | $717K |
| Vision | NATIONAL GUARDIAN LIFE | 770 | $108K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,356 | $473K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 800 | $544K |
| Other(12 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,356 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,356 | — |
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.