| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC5 Filed as: GILSBAR, INC. | C/O GROUP BENEFITS P O BOX 998 COVINGTON, LA 70434 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 8.52% |
| GILSBAR, LLC5 Filed as: GILSBAR INC | C/O GROUP BENEFITS COVINGTON, LA 70434 | GERBER LIFE INSURANCE COMPANY | — | $34K | $34K | 7.92% |
| ABC CONSULTING5 | 3370C ANNAPOLIS LANE PLYMOUTH, MN 55447 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: BEECHER EVERGREEN MANAGED CARE | 6 CONCOURSE PARKWAY, STE 2300 ATLANTA, GA 30328 | GERBER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.65% |
| REINSURANCE SERVICE COMPANY5 | 23505 SMITHOWN ROAD SUITE 220 EXCELSIER, MN 55331 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL SERVICE ASSOCIATION EIN 64-0132815 PLAN SPONSOR | Contract Administrator Service code 13 | 93 SOUTH COLEY ROAD TUPELO, MS 38801 | $49K |
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 | 1,481 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,481 | $888K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,481 | $888K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,481 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.