| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 14.86% |
| BILLY W HENLEY3 Filed as: BILLY W. HENLEY | 212 EASTBROOKE II JACKSON, MS 39216 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 9.97% |
| BILL W. HENLEY3 | P.O. BOX 4880 JACKSON, MS 392964880 | DELTA DENTAL INSURANCE COMPANY | $13K | — | $13K | 9.83% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES, IN | PO BOX 3809 BATON ROUGE, LA 708213809 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 11.14% |
| MISSISSIPPI MANUFACTURERS ASSOC3 Filed as: MISSISSIPPI MANUFACTURERS ASSOCIATI | PO BOX 22607 JACKSON, MS 392252607 | NATIONAL GUARDIAN LIFE | $884 | — | $884 | 2.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 995 BIRMINGHAM, AL 35298 | $303K |
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 | 985 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 363 | $128K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 608 | $406K |
| Short-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 608 | $406K |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 608 | $406K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 608 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.