| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JO ANN PANTALONE3 Filed as: ANN MARIE MUNN | UNKNOWN LUCEDALE, MS 39452 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $102K | $0 | $102K | 2.77% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP, INC. | 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $12K | $35K | 15.11% |
| GHS BENEFIT SOLUTIONS LLC3 Filed as: GHS BENEFIT SOLUTIONS, LLC | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.89% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP, INC. | 2011 23RD AVENUE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 6.93% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $297 | $7K | 3.58% |
| PAM ENTERPRISES INC3 Filed as: PAM ENTERPRISES, INC. | 28 56TH STREET GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 3.47% |
| GENEVIEVE K. HOLDEN & OTHERS AGENTS3 | 2 EAST 52ND STREET GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $453 | $3K | 1.22% |
| PAMELA ANN BURCHETTE3 | 8821 ELM AVENUE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $392 | $2K | 1.07% |
| JEANIE MARIE MCKNIGHT3 | 14191 SADDIE STREET DIBERVILLE, MS 39540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $438 | $2K | 0.80% |
| SHAWN TATE3 | 8302 NORTH 124TH EAST AVENUE OWASSO, OK 74055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $0 | $727 | 0.35% |
| BENEFITS MANAGEMENT GROUP3 Filed as: BENEFITS MANAGEMENT GROUP, INC. | 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | EXPRESS SCRIPTS, INC. | $5K | $0 | $5K | 3.36% |
| BENEFITS MANAGEMENT GROUP3 | 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | COMMUNITY EYE CARE, LLC | $6K | $0 | $6K | 10.00% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 812 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 657 | $234K |
| Vision | COMMUNITY EYE CARE, LLC | 560 | $59K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 188 | $208K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 812 | $3.8M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 188 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.