| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL INSURANCE COMPANY3 | P.O. BOX 1809 ALPHARETTA, GA 300231809 | DELTA DENTAL INSURANCE COMPANY | — | $62K | $62K | — |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF MISSISSIP | 3545 LAKELAND DRIVE FLOWOOD, MS 39232 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | — | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Contract Administrator Service code 13 | — | $1.3M |
| ELECTRIC COOPERATIVES OF MS EIN 64-0200697 EMPLOYER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $176K |
| BSWIFT EIN 36-4391310 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 500 W. MONROE, SUITE 3800 CHICAGO, IL 60661 | $154K |
| ARCHIMEDES EIN 46-0524263 NONE | Contract Administrator Service code 13 | — | $139K |
| ROSS & YERGER EIN 64-0947389 NONE | Insurance services Service code 23 | 100 VISION DRIVE, STE 100 JACKSON, MS 39211 | $107K |
| HADDOX REID EUBANK BETTS, PLLC EIN 64-0414329 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| AMERITAS LIFE INSURANCE COMPANY EIN 47-0098400 NONE | Contract Administrator Service code 13 | — | $19K |
| SMITH SHELLNUT & WILSON EIN 64-0858593 NONE | Investment management Service code 28 | — | $16K |
| FLORES EIN 56-1542307 NONE | Contract Administrator Service code 13 | — | $14K |
| USI CONSULTING GROUP EIN 06-1053228 NONE | Actuarial Service code 11 | 95 GLASTONBURY BLVD, SUITE 102 GLASTONBURY, CT 060334417 | $10K |
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 | 2,264 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 74 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 0 | $0 |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,975 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,975 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.