| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MISSISSIPPI GROUP MARKETING PA3 | P O BOX 16726 JACKSON, MS 39236 | UNITED HEALTHCARE INSURANCE COMPANY | — | $94K | $94K | 6.38% |
| FORTSON GROUP3 | 2384 HIGHWAY 80 WEST JACKSON, MS 39204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| MORGAN WHITE LIMITED3 | DBA MWG BROKER SERVICES P O BOX 1407 JACKSON, MS 39236 | AMFIRST INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | P O BOX 1139 JACKSON, MS 39215 | AMFIRST INSURANCE COMPANY | $70 | — | $70 | 0.09% |
| MORGAN WHITE LIMITED3 | DBA MWG BROKER SERVICES P O BOX 14067 JACKSON, MS 39236 | SPECTERA VISION | $3K | — | $3K | 22.01% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 162 | $1.5M |
| Vision | SPECTERA VISION | 131 | $16K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $93K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.