| 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 | $97K | $0 | $97K | 2.80% |
| BENEFITS MANAGEMENT GROUP3 | PO BOX 3340 MERIDIAN, MS 39303 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.05% |
| BENEFITS MANAGEMENT GROUP3 | 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.84% |
| BENEFITS MANAGEMENT GROUP3 | 3420 HIGHWAY 39 NORTH MERIDIAN, MS 39301 | EXPRESS SCRIPTS, INC. | $5K | $0 | $5K | 3.55% |
| BENEFITS MANAGEMENT GROUP3 | 2011 3RD AVENUE MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | — |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINE BOULEVARD OCEAN SPRING, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $342 | $6K | — |
| PAM ENTERPRISES INC3 | 8939 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $287 | $4K | — |
| PAMELA ANN BURCHETTE3 Filed as: PAMELA BURCHETTE AND OTHER AGENTS | 15118B JANUS ROAD DIBERVILLE, MS 39540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | — |
| JEANIE MARIE MCKNIGHT3 | 14191 SADDIE STREET DIBERVILLE, MS 39540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | $3 | $583 | — |
| DENISE MICHELLE SISSON3 | 9766 HIGHWAY 39 NORTH MERIDIAN, MS 39305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | $0 | $574 | — |
| JACOB CLARK MUNN3 | 4224 COUNTRY CLUB DRIVE MERIDIAN, MS 39305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $0 | $549 | — |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 775 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $224K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 775 | $3.6M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 171 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.