| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATION COMPANY LLC Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | CERTUS MGMT GROUP-GERBER LIFE | $61K | — | $61K | 12.88% |
| ROSS & YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | CERTUS MGMT GROUP-GERBER LIFE | $5K | — | $5K | 1.12% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $15K | $61K | 26.59% |
| BENEFITS ADMIN SERVICES, LTD3 | 613 CRESCENT CIRCLE, SUITE 201 RIDGELAND, MS 39157 | MERITAIN HEALTH | $22K | — | $22K | 10.00% |
| CRESCENT DENTAL PLAN4 | PO BOX 2140 MANDEVILLE, LA 704702140 | MERITAIN HEALTH | — | — | $0 | 0.00% |
| MERITAIN HEALTH4 | 9201 WATSON RD-STE 200 ST. LOUIS, MO 63126 | MERITAIN HEALTH | — | — | $0 | 0.00% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIR #201 RIDGELAND, MS 391578686 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.16% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | $425 | — | $425 | 0.84% |
| BENEFITS ADMINISTRATION SERVICES LT3 | 613 CRESCENT CIR #201 RIDGELAND, MS 39157 | QBE INSURANCE CORPORATION | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $32K |
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 | 777 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 389 | $51K |
| Dental | MERITAIN HEALTH | 777 | $219K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $229K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $229K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $229K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CERTUS MGMT GROUP-GERBER LIFE | 510 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.