| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CO | 1973 OAK TREE CV HERNANDO, MS 38632 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $65K | — | $65K | 4.45% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CO | 1973 OAK TREE CV HERNANDO, MS 38632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.00% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CO | 1973 OAK TREE CV HERNANDO, MS 38632 | STARMOUNT LIFE INSURANCE COMPANY | $16K | — | $16K | 7.80% |
| RUPERT JOHNSON3 Filed as: RUPERT L JOHNSON | 2475 WADE RD STARKVILLE, MS 39759 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 2.40% |
| TRACY DAVIS3 Filed as: TRACY A DAVIS | 244 OAKVIEW COVE PONTOTOC, MS 38863 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 1.25% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CO | 1973 OAK TREE CV HERNANDO, MS 38632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.25% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 625 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 363 | $206K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 363 | $206K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $284K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $218K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.