| 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 | — | $6K | $6K | 1.89% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.01% |
| PREWITT HEATH M Filed as: PREWITT HEALTH M | 1423 PINECREST RD STARKVILLE, MS 39759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 3.94% |
| COLEMAN SANDRA | PO BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 2.99% |
| JUSTIN ROBERTS AGENCY LLC | 115 STATE HIGHWAY 15 S NEW ALBANY, MS 38652 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| REESE INSURANCE LLC | 1600 HIGHLAND CIRCLE AMORY, MS 38821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.42% |
| REESE INSURANCE LLC | 1600 HIGHLAND CIRCLE AMORY, MS 38821 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.60% |
| BARRACK JON A | 785 VALLEYBROOK DRIVE MEMPHIS, TN 38120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $830 | — | $830 | 0.31% |
| COLEMAN SANDRA | P O BOX 387 STARKVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $788 | — | $788 | 0.29% |
| TENNYSON WILLIAM DORSEY | 206 TENNYSON RD ACKERMAN, MS 39735 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 13.00% |
| EVELYN P CORBETT Filed as: EVELYN PASLAY CORBETT | 2045 CLAYTON ROAD TUPELO, MS 38804 | METLIFE INSURANCE COMPANY | $37K | — | $37K | 17.99% |
| EDWIN DEREK PEARCE | 623 PICKETTS MILL DR. SHREVEPORT, LA 711153863 | METLIFE INSURANCE COMPANY | $4K | — | $4K | 1.73% |
| RAMONE S PEARCE | 432 GULDE RD. BRANDON, MS 390429636 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 1.66% |
| ROSS & YERGER INSURANCE INC3 | PO BOX 1139 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 20.00% |
| EVELYN P CORBETT3 | 2045 CLAYTON ROAD TUPELO, MS 38804 | CIGNA | $26K | — | $26K | 14.53% |
| 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 | 1,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,073 | $299K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 783 | $265K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,378 | $197K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,126 | $328K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,073 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,073 | — |
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.