| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SANFORD3 | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | BLUE CROSS BLUE SHIELD OF MS | $31K | — | $31K | 6.04% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $1K | $16K | 16.35% |
| GHS BENEFIT SOLUTIONS LLC3 Filed as: GHS BENEFITS SOLUTIONS | PO BOX 1937 RIDGELAND, MS 39158 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 14.44% |
| MISSISSIPPI MANUFACTURERS ASSOC3 Filed as: MISSISSIPPI MANUFACTURERS ASSOCIATI | PO BXO 22607 JACKSON, MS 39225 | NATIONAL GUARDIAN LIFE | $269 | — | $269 | 1.31% |
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 | 598 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.