| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $48K | $0 | $48K | 17.33% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $3K | $0 | $3K | 7.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 1500 RIVERFRONT DR SUITE 200 LITTLE ROCK, AR 72202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.97% |
| MIRANDA ANDREWS3 | 1105 W JACKSON ST TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.70% |
| ELAINE EVANS ENIS3 Filed as: ELAINE ENIS | 8081 HUNTERS CREEK DR OLIVE BRANCH, MS 38654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 0.76% |
| GINGER K HARDY3 | 760 INDIAN OAK SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | $0 | $198 | 0.75% |
| KRISTI H BUSKIRK3 Filed as: KRISTI BUSKIRK | 721 W JEFFERSON ST TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | $0 | $191 | 0.72% |
| SUSAN R RAPER3 Filed as: SUSAN RAPER | 30036 CLAY HILL RD NETTLETON, MS 38858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.60% |
| KENNETH BRADLEY ELDRED3 | 182 TANNER COVE HERNANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.26% |
| CHRISTY W FISHER3 Filed as: CHRISTY FISHER | 124 CR 2768 BALDYWN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.18% |
| JOHN R BRASEL3 Filed as: JOHN BRASEL | 1105 WEST JACKSON TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.11% |
| VALERIE D HOOD3 Filed as: VALERIE HOOD | 108 CEMETARY ST APT 25 RIPLEY, MS 38663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.09% |
| RICKY COLLINS REYNOLDS3 | 731 HWY 225 EAST GREENBRIER, MS 72058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $3K | $504 | $3K | 17.91% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | $0 | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $34 | $2K | 15.22% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $1K | $0 | $1K | 9.62% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $278 | $2K | 17.40% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $765 | $0 | $765 | 6.61% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $141 | $29 | $170 | 18.14% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $141 | $0 | $141 | 15.05% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 172 | $278K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 320 | $39K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 320 | $12K |
| Life insurance | USABLE LIFE | 110 | $12K |
| Short-term disability | USABLE LIFE | 57 | $15K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 107 | $45K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.