| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADMINISTRATION SERVICES LT3 | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | QBE INSURANCE CORPORATION | $69K | — | $69K | 11.47% |
| BENEFITS ADMIN SERVICES, LTD3 | 613 CRESCENT CIRCLE, SUITE 201 RIDGELAND, MS 39157 | MERITAIN HEALTH | $22K | — | $22K | 10.00% |
| MERITAIN HEALTH4 | 9201 WATSON RD-STE 200 ST. LOUIS, MO 63126 | MERITAIN HEALTH | — | $16K | $16K | 7.50% |
| CRESCENT DENTAL PLAN4 | PO BOX 2140 MANDEVILLE, LA 704702140 | MERITAIN HEALTH | — | $13K | $13K | 5.75% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $15K | $51K | 28.33% |
| BENEFITS ADMINISTRATION SERVICES LT3 | 613 CRESCENT CIR STE 201 RIDGELAND, MS 39157 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 20.00% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIR #201 RIDGELAND, MS 391578686 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| LOWERY INSURANCE PA, INC.3 | 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MS 392328897 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 5151 PFEIFFER RD CINCINNATI, OH 45242 | $254K |
| BENEFIT ADMINISTRATION SERVICES LTD EIN 64-0687636 BROKER | Other commissions Service code 55 | 613 CRESCENT CIR 201 RIDGELAND, MS 39157 | $19K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $0 |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 544 | $50K |
| Dental | MERITAIN HEALTH | 653 | $218K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $270K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $270K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $270K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 504 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.