| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOWERY GROUP3 Filed as: LOWERY GROUP | 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MS 39232 | QBE INSURANCE CORPORATION | $27K | — | $27K | 6.02% |
| BENEFITS ADMINISTRATION SERVICES LT3 | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | QBE INSURANCE CORPORATION | $18K | — | $18K | 4.01% |
| LOWERY INSURANCE PA, INC.3 | 1307 AIRPORT ROAD, SUITE 3A JACKSON, MS 39232 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 6.03% |
| BENEFITS ADMINISTRATION SERVICES LT3 | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.97% |
| MERITAIN HEALTH4 | 9201 WATSON RD-STE200 ST. LOUIS, MO 63126 | MERITAIN HEALTH | — | $16K | $16K | 7.50% |
| LOWERY INSURANCE PA, INC.3 | 1307 AIRPORT ROAD, SUITE 3A JACKSON, MS 39208 | MERITAIN HEALTH | $14K | — | $14K | 6.85% |
| CRESCENT DENTAL PLAN4 | PO BOX 2140 MANDEVILLE, LA 704702140 | MERITAIN HEALTH | — | $12K | $12K | 5.75% |
| BENEFITS ADMINISTRATION SERVICES LT4 | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | MERITAIN HEALTH | $7K | — | $7K | 3.15% |
| LOWERY INSURANCE PA, INC.3 | 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MS 392328897 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.75% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIR #201 RIDGELAND, MS 391578686 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 5151 PFEIFFER RD CINCINNATI, OH 45242 | $220K |
| LOWERY GROUP EIN 45-4395401 BROKER | Other commissions Service code 55 | 1307 AIRPORT RD, STE 3A FLOWOOD, MS 39232 | $16K |
| BENEFIT ADMINISTRATION SERVICES LTD EIN 64-0687636 BROKER | Other commissions Service code 55 | 613 CRESCENT CIR 201 RIDGELAND, MS 39157 | $8K |
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 | 509 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $47K |
| Dental | MERITAIN HEALTH | 458 | $207K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $347K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $347K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $347K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 509 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.