| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SANFORD3 | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | BLUE CROSS BLUE SHIELD OF MS | $27K | — | $27K | 5.45% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $993 | $17K | 15.75% |
| GHS BENEFIT SOLUTIONS LLC3 Filed as: GHS BENEFITS SOLUTIONS | PO BOX 1937 RIDGELAND, MS 39158 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | UNUM LIFE INSURANCE COMPANY OF AMER | $9K | — | $9K | 59.96% |
| BENEFITS MANAGEMENT GROUP3 | 3420 HIGHWAY 39N MERIDIAN, MS 39301 | STARMOUNT LIFE INSURANCE | $1K | — | $1K | 12.00% |
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 | 528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS | 106 | $503K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $109K |
| Vision | STARMOUNT LIFE INSURANCE | 80 | $12K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $124K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $109K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.