| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEYER & ROSENBAUM, INC.3 Filed as: MEYER & ROSENBAUM INC. | P.O. BOX 1729 MERIDIAN, MS 393021729 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 13.74% |
| INSURANCE ADVISOR GROUP LLC3 | P. O. BOX 990 MERIDIAN, MS 39302 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.25% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE MERIDIAN, MS 39301 | DELTA DENTAL INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| MEYER & ROSENBAUM, INC.3 Filed as: MEYER & ROSENBAUM INC | PO BOX 1729 MERIDIAN, MS 39302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 15.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | PO BOX 990 MERIDIAN, MS 39302 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 15.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE MERIDIAN, MS 39305 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 18.00% |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39305 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 4.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161630 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 3.60% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE MERIDIAN, MS 39305 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 18.01% |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161630 MERIDIAN, MS 39305 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $435K |
| INSURANCE ADVISOR GROUP LLC EIN 64-0892415 BROKER | Other commissions Service code 55 | — | $0 |
| MEYER & ROSENBAUM INC EIN 64-0285219 BROKER | Other commissions Service code 55 | — | $0 |
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 | 703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 975 | $302K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 442 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $238K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 521 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $238K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,226 | $551K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.