| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIS M BILLINGSLEY3 Filed as: DAVIS M BILLINGLEY | 105 LOMAX STREET BATESVILLE, MS 38606 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 4.94% |
| PATRICK HOFFMAN3 | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | UNITEDHEALTHCARE INSURANCE COMPANY | $249 | $0 | $249 | 0.17% |
| WILLIAM L. GLASS3 Filed as: WILLIAM D BILLINGSLEY | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | UNITEDHEALTHCARE INSURANCE COMPANY | $242 | $0 | $242 | 0.17% |
| PATRICK W HOFFMAN3 | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | AFLAC | $3K | $0 | $3K | 12.11% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $976 | $15 | $991 | 8.32% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YEAGER INSURANCE, INC. | P.O. BOX 1139 JACKSON, MS 39215 | ZURICH AMERICAN INSURANCE COMPANY | $695 | $0 | $695 | 14.99% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 440 | $27K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $145K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $12K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
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.