| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS HADLEY | UNKNOWN COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | $22K | $0 | $22K | 3.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | HEALTH NET | $14K | $49 | $14K | 4.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2975 REGENT BLVD IRVING, TX 75063 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203373 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 38 DISCOVERY, SUITE 250 IRVINE, CA 92614 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 7.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID COMPANY, INC. | 669 RIVER DRIVE, CENTER III SUITE 305 ELMWOOD PARKWAY, NJ 07407 | PREMIER ACCESS INSURANCE COMPANY | $978 | $0 | $978 | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | FEDERAL INSURANCE COMPANY | $542 | $0 | $542 | 15.00% |
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 | 604 | 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) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 33 | $960K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 744 | $240K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 273 | $49K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $203K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $203K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | 33 | $960K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 604 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.