| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL INSURANCE COMPANY3 | P.O. BOX 1809 ALPHARETTA, GA 300231809 | DELTA DENTAL INSURANCE COMPANY | — | $43K | $43K | — |
| DAVIS VISION3 | 175 E. HOUSTON STREET, 5TH FLOOR SAN ANTONIO, TX 78205 | DAVIS VISION | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 NONE | Contract Administrator Service code 13 | — | $967K |
| ELECTRIC COOPERATIVES OF MS EIN 64-0200697 EMPLOYER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $139K |
| BENEFITFOCUS EIN 57-1099948 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $63K |
| REGIONS INSURANCE, INC. EIN 71-0621654 NONE | Consulting (general) Service code 16 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | $63K |
| HADDOX REID EUBANK BETTS, PLLC EIN 64-0414329 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| SMITH SHELLNUT & WILSON EIN 64-0858593 NONE | Investment management Service code 28 | — | $20K |
| BPS&M LLC NONE | Actuarial Service code 11 | 5301 VIRGINIA WAY STE 400 BRENTWOOD, TN 37027 | $10K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Consulting (general) Service code 16 | 7400 W CAMPUS ROAD, F-510 NEW ALBANY, OH 43054 | $8K |
| RXRESULTS, LLC EIN 26-3233073 NONE | Consulting (general) Service code 16 | — | $7K |
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 | 1,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,067 | $0 |
| Vision | DAVIS VISION | 1,626 | $0 |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 1,723 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,067 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.