| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL W. HENLEY3 | 212 EASTBROOKE II JACKSON, MS 39216 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| BILL W. HENLEY3 | 212 EASTBROOKE II JACKSON, MS 39216 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 9.97% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.65% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $11K | 21.88% |
| BXS INSURANCE INC3 | 2909 13TH ST FL 4 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 12.86% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.87% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | PO BOX 3809 BATON ROUGE, LA 70821 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 8.48% |
| MISSISSIPPI MANUFACTURERS ASSOC3 Filed as: MISSISSIPPI MANUFACTURES ASSOCAITIO | PO BOX 22607 JACKSON, MS 39225 | NATIONAL GUARDIAN LIFE | $606 | — | $606 | 2.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.31% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $754 | $379 | $1K | 22.53% |
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 | 978 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 396 | $152K |
| Life insurance(6 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 618 | $279K |
| Short-term disability(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 618 | $263K |
| Long-term disability(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 618 | $271K |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 618 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.