| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH PRESTON FRANCIS3 Filed as: JOSEPH P FRANCIS | 1020 HIGHLAND COLONY PKWY SUITE 302 RIDGELAND, MS 391572149 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $23K | $23K | 3.42% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PKWY SUITE 302 RIDGELAND, MS 391572149 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $18K | $18K | 2.60% |
| SUSAN R RAPER3 Filed as: SUSAN R. RAPER | 143B WILLOWBROOK DRIVE SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $832 | — | $832 | 2.31% |
| KRISTI H BUSKIRK3 Filed as: KRISTI H. BUSKIRK | 721 W. JEFFERSON ST. TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683 | — | $683 | 1.90% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 0.58% |
| JOHN R BRASEL3 Filed as: JOHN R. BRASEL | 1105 W. JACKSON TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $774 | $3K | 18.23% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $211 | — | $211 | 1.21% |
| MICKEY WATKINS3 | 102 BURNE COVE MADISION, MS 20572 | USABLE LIFE | $206 | — | $206 | 1.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $649 | $3K | 17.64% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $203 | — | $203 | 1.20% |
| MICKEY WATKINS3 | 102 BURNE COVE MADISON, MS 39110 | USABLE LIFE | $199 | — | $199 | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $1K | $308 | $2K | 17.50% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $840 | — | $840 | 9.69% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $92 | — | $92 | 1.06% |
| MICKEY WATKINS3 | 102 BURNE COVE MADISON, MS 39110 | USABLE LIFE | $75 | — | $75 | 0.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $165 | $53 | $218 | 18.20% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $180 | — | $180 | 15.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $15 | — | $15 | 1.25% |
| MICKEY WATKINS3 | 102 BURNE COVE MADISON, MS 39110 | USABLE LIFE | $14 | — | $14 | 1.17% |
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 | 157 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $676K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $676K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $676K |
| Life insurance(2 contracts) | USABLE LIFE | 104 | $26K |
| Short-term disability | USABLE LIFE | 61 | $17K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 148 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.