| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS POPE3 | 800 LINDI DRIVE COLLERVILLE, TN 38017 | COEFFICIENT INSURANCE COMPANY | — | $65K | $65K | 11.30% |
| LOUIS POPE3 | 800 LINDI DRIVE COLLERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.90% |
| LOUIS POPE3 | 800 LINDI DRIVE COLLERVILLE, TN 38017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PHOENIX ADMIN DBA PERFORMANCE HEALT EIN 47-4998645 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | — | $245K |
| S AND S HEALTHCARE EIN 31-1418743 PROVIDER NETWORK | Other services Service code 49 | — | $40K |
| NAMCI EIN 63-1041628 | Other services Service code 49 | — | $24K |
| AMCS EIN 81-5367552 UTILIZATION REVIEW | Other services Service code 49 | — | $13K |
| MISSISSIPPI PHYSICIAN CARE NETWORK EIN 64-0844670 PROVIDER NETWORK | Other services Service code 49 | — | $5K |
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 | 871 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $47K |
| Stop-loss / reinsurancereinsurance | COEFFICIENT INSURANCE COMPANY | 871 | $576K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.