| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GULF GUARANTY EMPLOYEE BENEFIT SERV3 | 4785 I-55 NORTH, SUITE 200 JACKSON, MS 39206 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC. | — | $20K | $20K | 5.12% |
| BILL HOLMES3 | 104 SUNCREST PLACE BRANDON, MS 39047 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC. | — | $10K | $10K | 2.56% |
| GULF GUARANTY EMPLOYEE BENEFIT SERV3 | 4785 I-55 NORTH, SUITE 200 JACKSON, MS 39206 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC. | $7K | — | $7K | 1.70% |
| CECIL BAKER3 | 217 METHODIST HOSPITAL BLVD APT 161 HATTIESBURG, MS 39402 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC. | — | $5K | $5K | 1.36% |
| HUGHES AND ASSOCIATES3 | 196 CHARMANT PLACE RIDGELAND, MS 39157 | GULF GUARANTY EMPLOYEE BENEFIT SERVICES, INC. | — | $2K | $2K | 0.48% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 39215 | RELIANCE STANDARD | $10K | — | $10K | 10.10% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD | 0 | $98K |
| Long-term disability | RELIANCE STANDARD | 0 | $98K |
| Other | RELIANCE STANDARD | 0 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.