| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK INC. | — | COMMUNITY INSURANCE COMPANY | $24K | $5K | $29K | 6.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 200 W CYPRESS CREEK RD #500 FORT LAUDERDALE, KY 33309 | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 1.71% |
| HOLLAND INSURANCE, INC.3 Filed as: HOLLAND INSURANCE INC | PO BOX 328 SOUTHAVEN, MS 38671 | COMMUNITY INSURANCE COMPANY | $7K | — | $7K | 1.66% |
| GERALD HOLLAND INS INC LHAI3 | 6820 COBBLESTONE BOULEVARD SUITE 3 SOUTHAVEN, MS 38672 | PRINCIPAL LIFE INSURANCE COMPANY | $48K | — | $48K | 15.87% |
| MEDLINK INC3 Filed as: MEDLINK INC. | — | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 6.98% |
| HOLLAND INSURANCE, INC.3 Filed as: HOLLAND INSURANCE INC | — | COMMUNITY INSURANCE COMPANY | $5K | — | $5K | 4.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | — | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN/NETWORK PHARMACY | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Other fees Service code 12 | — | $286K |
| MEDLINK INC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $5K |
| INGENIORX, INC. EIN 82-3062245 ADMIN | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | -$20K |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 240 | $109K |
| Vision | COMMUNITY INSURANCE COMPANY | 460 | $445K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $305K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $305K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $305K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 460 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.