| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE SMITH3 | 1973 OAK TREE CV HERNANDO, MS 38632 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $34K | — | $34K | 2.48% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC. | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | STARMOUNT LIFE INSURANCE COMPANY | $12K | — | $12K | 6.03% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: L S & ASSOCIATES INSURANCE CO | 1973 OAK TREE CV HERNANDO, MS 38632 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 3.88% |
| RUPERT JOHNSON3 Filed as: RUPERT L JOHNSON | 2475 WADE RD STARKVILLE, MS 39759 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| TRACY DAVIS3 Filed as: TRACY A DAVIS | 259 SHADY LN PONTOTOC, MS 38863 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON, INC | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.11% |
| 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 | $7K | — | $7K | 4.89% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | 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 | 655 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 374 | $199K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 374 | $199K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $137K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.