| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SANFORD3 | P.O. BOX 3340 MERIDIAN, MS 39303 | BLUE CROSS BLUE SHIELD OF MS, INC. | $31K | — | $31K | 3.56% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | P.O. BOX 3340 MERIDIAN, MS 39303 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 16.38% |
| GHS BENEFIT SOLUTIONS LLC3 | P.O. BOX 1937 RIDGELAND, MS 39158 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 6.13% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | P.O. BOX 3340 MERIDIAN, MS 39303 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 23.21% |
| GHS BENEFIT SOLUTIONS LLC3 | P.O. BOX 1937 RIDGELAND, MS 39158 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 5.96% |
| BENEFITS MANAGEMENT GROUP3 | P.O. BOX 3340 MERIDIAN, MS 39303 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| V L MONTGOMERY INC3 Filed as: VL MONTGOMERY INC | 6373 RED OAK DR BAILEY, MS 39320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 3.72% |
| CHRISTOPHER W THOMPSON3 Filed as: CHRISTOPHER W. THOMPSON | 1410 14TH S STE A MERIDIAN, MS 39301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 1.67% |
| JEAN DAVID BUTLER3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.90% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.28% |
| VICKI M BUTLER3 Filed as: VICKI M. BUTLER | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MS, INC. | 186 | $887K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $75K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 178 | $56K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 178 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.