| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | $0 | $111K | 15.03% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE MERIDIAN, MS 39305 | DELTA DENTAL | $37K | $0 | $37K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE MERIDIAN, MS 39305 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $1K | $40K | 16.65% |
| INSURANCE ADVISORY GROUP, LLC3 | P.O. BOX 990 MERIDIAN, MS 39302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 16.39% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 2OTH AVE. MERIDIAN, MS 39301 | METLIFE INSURANCE COMPANY | $15K | $0 | $15K | 18.00% |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39145 | METLIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.61% |
| INSURANCE ADVISORY GROUP, LLC3 | P.O. 990 MERIDIAN, MS 39302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 16.39% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | PO BOX 990 MERIDIAN, MS 39302 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 18.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161630 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 12.59% |
| COASTAL STATES INSURANCE CORP3 | P.O. BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $863 | $0 | $863 | 4.40% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 18.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161630 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 12.60% |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $384 | $0 | $384 | 4.41% |
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $795 | $0 | $795 | 9.93% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | — |
| COASTAL STATES INSURANCE CORP3 | PO BOX 1042 PELAHATCHIE, MS 39145 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $350K |
| INSURANCE ADVISORY GROUP LLC EIN 64-0892415 BROKER | Other commissions Service code 55 | PO BOX 990 MERIDIAN, MS 39302 | $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 | 1,346 | 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) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 1,254 | $367K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 524 | $68K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 874 | $390K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 874 | $243K |
| Stop-loss / reinsurancereinsurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,346 | $739K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 874 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,346 | — |
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.