| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY SUITE 300 RIDGELAND, MS 39157 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $167 | $84K | 65.63% |
| SOUTHERN INSURANCE GROUP, LLC3 Filed as: SOUTHERN INSURANCE GROUP LLC | 1023 HIGHWAY 98 BYP COLUMBIA, MS 39429 | UNITEDHEALTHCARE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSSOR | Claims processing; Other services Service code 12 | — | $523K |
| GALLAGHER BENEFIT SSERVICES INC EIN 36-4291971 BROKER | Other commissions Service code 55 | 1076 HIGHLAND COLONY PKWY SUITE 300 RIDGELAND, MS 39157 | $42K |
| SOUTHERN INSURANCE GROUP LLC EIN 64-0945688 BROKER | Other commissions Service code 55 | 1023 JIGHWAY 98 BYP COLUMBIA, MS 39429 | -$16 |
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 | 10,497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,497 | $128K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 10,497 | $128K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 10,497 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,497 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.