| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELVIN L HARRISON3 Filed as: ELVIN HARRISON III | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $17K | — | $17K | 6.64% |
| ELVIN L HARRISON3 | 1305 PELICAN LOOP OXFORD, MS 38655 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.14% |
| ELVIN L HARRISON3 Filed as: ELVIN L HARRISON III | 1305 PELICAN LOOP OXFORD, MS 38655 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 13.81% |
| HARRISON III ELVIN LEE3 | 1305 PELICAN LOOP OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454 | — | $454 | 15.13% |
| HARRISON III ELVIN LEE3 | 1305 PELICAN LOOP OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 23.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 91 | $259K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $55K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $55K |
| Other(5 contracts, 4 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 114 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.