| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL INSURANCE COMPANY3 | P.O. BOX 1809 ALPHARETTA, GA 300231809 | DELTA DENTAL INSURANCE COMPANY | — | $67K | $67K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Contract Administrator Service code 13 | — | $1.4M |
| ARCHIMEDES EIN 46-0524263 NONE | Contract Administrator Service code 13 | — | $223K |
| ELECTRIC COOPERATIVES OF MS EIN 64-0200697 EMPLOYER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $181K |
| 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 | $125K |
| ROSS & YERGER EIN 64-0947389 NONE | Insurance services Service code 23 | 100 VISION DRIVE, STE 100 JACKSON, MS 39211 | $109K |
| BMSS, LLC EIN 46-1498870 NONE | Accounting (including auditing) Service code 10 | 1020 HIGHLAND COLONY PKWY STE 600 RIDGELAND, MS 39157 | $27K |
| AMERITAS LIFE INSURANCE COMPANY EIN 47-0098400 NONE | Contract Administrator Service code 13 | — | $20K |
| BANKPLUS EIN 64-0134513 NONE | Investment management Service code 28 | 385 A HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | $19K |
| 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 | 2,287 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,092 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,092 | — |
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.
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.