| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP | 1023 HIGHWAY 98 COLUMBIA, MS 39429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $374K | — | $374K | 20.00% |
| ADVANTAGE ONE INSURANCE INC.3 | 1019 WEST PINE STREET HATTIESBURG, MS 39401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 3.00% |
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP | 1023 HIGHWAY 98 COLUMBIA, MS 39429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193K | — | $193K | 20.27% |
| ADVANTAGE ONE INSURANCE INC.3 | 1019 WEST PINE STREET HATTIESBURG, MS 39401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 3.04% |
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP | 1023 HIGHWAY 98 COLUMBIA, MS 39429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | — | $97K | 20.20% |
| ADVANTAGE ONE INSURANCE INC.3 | 1019 WEST PINE STREET HATTIESBURG, MS 39401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.03% |
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP | 1023 HIGHWAY 98 COLUMBIA, MS 39429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $351 | — | $351 | 20.01% |
| ADVANTAGE ONE INSURANCE INC.3 | 1019 WEST PINE STREET HATTIESBURG, MS 39401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 3.02% |
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 | 8,423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,423 | $2.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,734 | $952K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,734 | $952K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,423 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.