| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILLIAM MORRIS GROUP PA3 | 4400 OLD CANTON RD STE 240 JACKSON, MS 39211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| THE WILLIAM MORRIS GROUP PA3 | 4400 OLD CANTON RD STE 240 JACKSON, MS 39211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $919 | $919 | 3.37% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $328 | $328 | 1.20% |
| WILLIAM HOLMES3 | 106 E MAIN ST STE B TUPELO, MS 388044022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $42 | $2K | 11.82% |
| ROBERT TIMOTHY SINKS3 | 12 CADILLAC DR STE 440 BRENTWOOD, TN 370275272 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $508 | $183 | $691 | 3.33% |
| JOHN CHRISTOPHER PRATHER3 | 618 OAKLEAF OFFICE LN STE 300 MEMPHIS, TN 381174820 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $213 | $0 | $213 | 1.03% |
| PAUL BRYAN HILL3 | 106 E MAIN ST STE B TUPELO, MS 388044022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $70 | $2 | $72 | 0.35% |
| JERRY I CORLESS3 | 5100 POPLAR AVE STE 2300 MEMPHIS, TN 381372301 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.24% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.