| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164K | $80K | $244K | 1.59% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $163K | $80K | $243K | 1.60% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $132K | $80K | $212K | 1.75% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD, STE 350 SOUTHBOROUGH, MA 017722123 | UNITED HEALTH CARE INSURANCE COMPANY | $425K | — | $425K | 10.00% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $14K | $22K | 2.93% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO EMPLOYEE BENEFITS CONSULTING | 700 BISHOP ST., STE. 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $4K | — | $4K | 0.99% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $6K | $9K | 3.39% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $5K | $8K | 3.38% |
| FORTENBERRY MCNAMARA, LLC3 | 1640 LELIA DR STE 220 JACKSON, MS 39216 | GENWORTH LIFE INSURANCE COMPANY | $12K | — | $12K | 9.99% |
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE AGENCY | 130 SPRINGSIDE DR. SUITE 300 AKRON, OH 44333 | GENWORTH LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $9.1M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $5.2M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $489K |
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 | 54,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 441 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 54,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | SELECTHEALTH | 4,767 | $72.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 50,940 | $31.5M |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 37,551 | $4.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54,467 | $15.2M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27,639 | $15.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54,467 | $12.2M |
| Prescription drug(8 contracts, 7 carriers) | SELECTHEALTH | 4,767 | $71.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54,467 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,467 | — |
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.
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.