| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS MANAGEMENT GROUP3 | PO BOX 3340 MERIDIAN, MS 39303 | BLUE CROSS BLUE SHIELD OF MS, INC. | $63K | — | $63K | 2.86% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP, INC. | 3340 HWY 39N P.O. BOX 3340 MERIDIAN, MS 39301 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP, INC. | 3340 HWY 39N P.O. BOX 3340 MERIDIAN, MS 39301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.00% |
| ONE LIFE INSURANCE SERVICES INC3 | 406 HIGHWAY 11 80 MERIDIAN, MS 39301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP, INC. | 3340 HWY 39N P.O. BOX 3340 MERIDIAN, MS 39301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.00% |
| VANGUARD INSURANCE PARTNERS, INC.3 Filed as: VANGUARD INS PARTNERS, INC. | 3800 OLD HIGHWAY 45 N MERIDIAN, MS 393011517 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC | 3420 HIGHWAY 39 N MERIDIAN, MS 39301 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP INC. | 3420 HIGHWAY 39 N MERIDIAN, MS 39301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
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 | 461 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 461 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 198 | $151K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 199 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $111K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 111 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $111K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.