| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.2 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 391578804 | UNITED HEALTHCARE INSURANCE COMPANY | $137K | — | $137K | 26.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1023 HIGHWAY 98 BYPASS COLUMBIA, MS 394293741 | UNITED HEALTHCARE INSURANCE COMPANY | $119K | — | $119K | 22.54% |
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP LLC | 1023 HIGHWAY 98 BYPASS COLUMBIA, MS 39429 | UNITED HEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 13.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $3.2M |
| GALLAGHER BENEFITS SERVICES INC EIN 36-4291971 BROKER | Other commissions Service code 55 | 1023 HIGHWAY 98 BYPASS COLUMBIA, MS 394293741 | $109K |
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 | 7,495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 7,495 | $526K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 7,495 | $526K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 7,495 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,495 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.