| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER AND COMPANY | 606 SOUTH MENDENHALL, SUITE 200 MEMPHIS, TN 38135 | COMPANION LIFE | $3K | $0 | $3K | 11.67% |
| MAGNA MONROE MANAGEMENT GROUP LTD3 Filed as: MAGNA MONROE MANAGEMENT GROUP, LTD | 895 PARK AVENUE MANDEVILLE, LA 70448 | COMPANION LIFE | $2K | $0 | $2K | 7.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | COMPANION LIFE | $930 | $0 | $930 | 3.51% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS & ASSOCIATES INS. CONSULTANTS | 1973 OAK TREE COVE HERNANDO, MS 38632 | COMPANION LIFE | $18 | $0 | $18 | 0.07% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE | 163 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.