| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BAYS3 Filed as: ROBERT GIPPERICH, JR. | UNKNOWN GEORGETOWN, KY 40324 | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | $23K | $0 | $23K | 1.63% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $44 | $44 | 0.03% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.52% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $442 | $5K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $366 | $2K | 2.35% |
| SCOTT REYNOLDS3 | 4000 SE 52ND STREET OCALA, FL 34480 | METROPOLITAN LIFE INSURANCE COMPANY | $404 | $0 | $404 | 0.48% |
| SCOTT REYNOLDS3 Filed as: SCOTT RYNOLDS | 4000 SE 52ND STREET OCALA, FL 34480 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.20% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | 320 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $84K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $145K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $145K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 229 | $145K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI | 320 | $1.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 306 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.