| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS G MONTGOMERY3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $31K | — | $31K | 4.34% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 14.08% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.99% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.54% |
| OPTIBEN OF MISSISSIPPI LLC3 | 106 MADISON PLAZA SUITE C HATTIESBURG, MS 39402 | BLUEBONNET LIFE INSURANCE COMPANY | $2K | — | $2K | 7.98% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | 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 | 258 | $719K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $126K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $20K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.