| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 12.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2909 13TH ST GULFPORT, MS 39501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | — | $56K | 19.67% |
| MARK BUTLER INC3 Filed as: MARK BUTLER | 171 AHERN DR BILOXI, MS 39530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $508 | — | $508 | 0.18% |
| ALISON HINTON DAVIS3 Filed as: ALISON DAVIS | 415 GLENDALE PLACE BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.07% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.06% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.03% |
| NICOLE R HUFFMAN3 | 106 E CRANFORD AVE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| CHRISTIE MARZARI3 | 601 CRESCENT BLVD STE 102 JACKSON, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| RICHARD TYLER AKERS3 Filed as: RICHARD AKERS | 4190 WAVERLY ROAD WEST POINT, MS 39773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | VISION SERVICE PLAN | $17K | — | $17K | 15.05% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH STREET 4TH FLOOR GULFPORT, MS 39502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUSPOINT AMERICA INSURANCE COMPANY | 510 | $491K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,007 | $401K |
| Vision | VISION SERVICE PLAN | 893 | $113K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $140K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 503 | $437K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,289 | $211K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,289 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.