| 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 | $81K | — | $81K | 14.93% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD SUITE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 1.39% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 9.19% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD SUITE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $9K | $9K | 1.65% |
| BXS INSURANCE INC3 | P O BOX 3809 BATON ROUGE, LA 708213809 | STARMOUNT LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51127 | $6K | — | $6K | 9.00% |
| 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 51128 | $741 | — | $741 | 8.98% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51129 | $646 | — | $646 | 8.55% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51130 | $580 | — | $580 | 9.41% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 33000 | $574 | — | $574 | 9.62% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 33002 | $475 | — | $475 | 10.10% |
| BXS INSURANCE INC3 | P O BOX 250 GULFPORT, MS 39502 | AMERICAN HERITAGE LIFE INSURANCE 51131 | $391 | — | $391 | 9.13% |
| 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 | $133 | — | $133 | 10.02% |
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 | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 871 | $122K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,374 | $522K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 999 | $541K |
| Other(11 contracts, 11 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,374 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,374 | — |
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.