| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $260K | $27K | $287K | 2.21% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205K | $24K | $229K | 2.24% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD, STE 350 SOUTHBOROUGH, MA 017722123 | UNITED HEALTH CARE INSURANCE COMPANY | $367K | — | $367K | 9.18% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $13K | $27K | 3.88% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO EMPLOYEE BENEFITS CONSULTING | 700 BISHOP ST., STE. 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | — | $3K | 0.86% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $11K | 4.11% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $5K | $10K | 4.06% |
| FORTENBERRY MCNAMARA, LLC3 | 1640 LELIA DR STE 220 JACKSON, MS 39216 | GENWORTH LIFE INSURANCE COMPANY | $14K | — | $14K | 10.08% |
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE AGENCY | 130 SPRINGSIDE DR. SUITE 300 AKRON, OH 44333 | GENWORTH LIFE INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $8.2M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $5.3M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $418K |
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 | 50,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 417 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 51,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | SELECTHEALTH | 4,519 | $58.4M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 45,516 | $29.3M |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 35,254 | $4.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50,719 | $13.0M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,182 | $501K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50,365 | $10.3M |
| Prescription drug(8 contracts, 7 carriers) | SELECTHEALTH | 4,519 | $58.3M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50,730 | $992K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,730 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.