| 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 35233 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 13.82% |
| BILL W. HENLEY3 | 212 EASTBROOKE II JACKSON, MS 39216 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 10.06% |
| BILL W. HENLEY3 | P.O. BOX 4880 JACKSON, MS 392964880 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 9.11% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | P.O. BOX 3809 BATON ROUGE, LA 70821 | NATIONAL GUARDIAN LIFE | $7K | — | $7K | 9.08% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | PO BOX 22607 JACKSON, MS 39225 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 1.84% |
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 | 991 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 392 | $135K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $392K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $392K |
| Long-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $392K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.