| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 5.96% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P O BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $517 | $28K | 5.43% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULFPORT, MS 39502 | VISION SERVICE PLAN | $9K | — | $9K | 7.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $8K | — | $8K | 7.26% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULFPORT, MS 39502 | ALLSTATE | $8K | — | $8K | 9.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HTS, IL 60006 | ALLSTATE | $15 | — | $15 | 0.02% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $4 | — | $4 | 0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 250 GULFPORT, MS 39502 | HARTFORD LIFE AND ACCIDENT | $584 | — | $584 | 9.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVC, INC. | 176 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | HARTFORD LIFE AND ACCIDENT | $380 | — | $380 | 5.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC | 176 HIGHLAND COLONY PKWY SUITE 300 RIDGELAND, MS 39157 | HARTFORD FIRE INSURANCE COMPANY | $363 | — | $363 | 14.98% |
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). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 789 | $112K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,356 | $509K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 859 | $541K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,356 | $605K |
| 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.