| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 631202 NACOGDOCHES, TX 75965 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $40 | $9K | 16.24% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 3310 N. UNIVERSITY DR NACOGDOCHES, TX 759651202 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | P O BOX 250 GULFPORT, MS 39501 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 631202 NACOGDOCHES, TX 75965 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $921 | — | $921 | 2.97% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 3310 N. UNIRVERSITY DR NACOGDOCHES, TX 759651202 | UNION SECURITY INSURANCE COMPANY | $953 | — | $953 | 10.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | P O BOX 250 GULFPORT, MS 39501 | UNION SECURITY INSURANCE COMPANY | — | $557 | $557 | 5.85% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 89 | $38K |
| Vision | UNION SECURITY INSURANCE COMPANY | 85 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $58K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $58K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.