| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ILEANA GOMEZ MILIAN3 | 190 HOSTOS AVE APT AGB 23 SAN JUAN, PR 00918 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $13K | — | $13K | 1.60% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 392151139 | AMERITAS LIFE INSURANCE CORPORATION | $71K | $7K | $78K | 11.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $118 | $51K | 9.02% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK RD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $118 | $36K | 9.03% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $118 | $30K | 9.04% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.00% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DR STE 100 JACKSON, MS 39211 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $16K | $16K | 8.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $118 | $18K | 9.06% |
| HWS CLIENT SERVICES LLC3 | 661 SUNNYBROOK ROAD SUITE 100 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.00% |
| ROSS & YERGER INSURANCE INC3 | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $2K | $17K | 11.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (GUS) | 3510 N CAUSEWAY BLVD STE 300 METARIE, LA 70002 | METLIFE INSURANCE COMPANY | $12K | — | $12K | 13.69% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DR SUITE 100 JACKSON, MS 39211 | METLIFE INSURANCE COMPANY | $4K | — | $4K | 4.31% |
| EDWIN DEREK PEARCE3 | 206 CRIGHTON RDG BOSSIER CITY, LA 71111 | METLIFE INSURANCE COMPANY | $844 | — | $844 | 0.93% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $810 | — | $810 | 0.89% |
| SCOTT BINGHAM3 Filed as: SCOTT A BINGHAM | PO BOX 1139 JACKSON, MS 392151139 | DELTA DENTAL OF PUERTO RICO, INC. | $3K | — | $3K | 7.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $539 | $118 | $657 | 12.45% |
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 | 1,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 126 | $806K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 2,206 | $752K |
| Vision(2 contracts, 2 carriers) | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 919 | $952K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,436 | $396K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $561K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,436 | $333K |
| Other(6 contracts, 5 carriers) | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 1,436 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.