| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.01% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $116 | $32K | 13.05% |
| PREWITT HEATH M | 1423 PINECREST RD STARKVILLE, MS 39759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 5.19% |
| COLEMAN SANDRA | PO BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.06% |
| REESE INSURANCE LLC | 1600 HIGHLAND CIRCLE AMORY, MS 38821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.65% |
| JUSTIN ROBERTS AGENCY LLC | 115 STATE HIGHWAY 15 S NEW ALBANY, MS 38652 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.10% |
| BARRACK JON A | 785 VALLEYBROOK DRIVE MEMPHIS, TN 38120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $738 | — | $738 | 0.33% |
| COLEMAN SANDRA | PO BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $712 | — | $712 | 0.32% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $116 | $39K | 20.06% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | CIGNA | $33K | — | $33K | 17.39% |
| EVELYN P CORBETT Filed as: EVELYN PASLAY CORBETT | 2045 CLAYTON ROAD TUPELO, MS 38804 | METLIFE INSURANCE COMPANY | $24K | — | $24K | 17.99% |
| EDWIN DEREK PEARCE | 623 PICKETTS MILL DR. SHREVEPORT, LA 711153863 | METLIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| RAMONE S PEARCE | 432 GULDE RD. BRANDON, MS 390429636 | METLIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| EVELYN P CORBETT3 | LEA PASLAY INSURANCE INC. 139 BENTGRASS SALTILLO, MS 38866 | MUTUAL OF OMAHA | $2K | — | $2K | 6.40% |
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 | 1,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,844 | $266K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 758 | $242K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,280 | $194K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 1,078 | $575K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,844 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,844 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.