| 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 | 3.08% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | 3420 HIGHWAY 39 N MERIDIAN, MS 39301 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.40% |
| GHS BENEFIT SOLUTIONS LLC3 | 162 CAROLINE POINTE BLVD MADISON, MS 39110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| BENEFITS MANAGEMENT GROUP3 | 3420 HIGHWAY 39 N MERIDIAN, MS 39301 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $810 | $10K | 17.41% |
| GHS BENEFIT SOLUTIONS LLC3 | 162 CAROLINE POINTE BLVD MADISON, MS 39110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| BENEFIT MANAGEMENT, INC. Filed as: BENEFIT MANAGEMENT GROUP | P.O. BOX 3340 MERIDIAN, MS 39303 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 13.36% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | 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. | 201 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $79K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.