| 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 | — | $50K | 7.06% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $80K | — | $80K | 15.91% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD SUITE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 1.49% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | — | $53K | 10.87% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD SUITE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.49% |
| BXS INSURANCE INC3 | P O BOX 3809 BATON ROUGE, LA 708213809 | STARMOUNT LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $3K | — | $3K | 8.64% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51128 | $1K | — | $1K | 8.63% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $923 | — | $923 | 8.10% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $806 | — | $806 | 9.13% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $691 | — | $691 | 9.12% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | P O BOX 250 GULFPORT, MS 39502 | HARTFORD FIRE INSURANCE COMPANY | $363 | — | $363 | 14.98% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 96232 | $198 | — | $198 | 9.68% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 74837 | $2 | — | $2 | 11.11% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | — | $16 | $16 | — |
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 | 1,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,070 | $706K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 795 | $111K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,351 | $487K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 999 | $503K |
| Other(11 contracts, 10 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,351 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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.