| 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 | $5K | — | $5K | 15.00% |
| WILLIAM HOLMES3 | 106 E MAIN ST STE B TUPELO, MS 388044022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $226 | $4K | 18.78% |
| ROBERT TIMOTHY SINKS3 | 12 CADILLAC DR STE 440 BRENTWOOD, TN 370275272 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $485 | $1K | $2K | 8.50% |
| JOHN CHRISTOPHER PRATHER3 | 618 OAKLEAF OFFICE LN STE 300 MEMPHIS, TN 381174820 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $213 | $0 | $213 | 0.96% |
| JERRY I CORLESS3 | 5100 POPLAR AVE STE 2300 MEMPHIS, TN 381372301 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $45 | $48 | $93 | 0.42% |
| PAUL BRYAN HILL3 | 106 E MAIN ST STE B TUPELO, MS 388044022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.14% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | 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 | 159 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.