| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROGAN & CREWS, INC. | 729 DAVIS CROSSING ROAD CANTON, MS 39046 | TOKIO MARINE HCC LIFE INSURANCE COMPANY | $153K | — | $153K | 9.85% |
| JAS D COLLIER & CO Filed as: JAS D. COLLIER & CO. | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | TOKIO MARINE HCC LIFE INSURANCE COMPANY | $141 | — | $141 | 0.01% |
| WILLIAM GROGAN Filed as: WILLIAM N. GROGAN | PO BOX 16446 JACKSON, MS 39236 | HARTFORD LIFE AND ACCIDENT | $192K | — | $192K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 320704 JACKSON, MS 39232 | $1.2M |
| HEALTH PLANS, INC. EIN 04-2734278 CLAIM PROCESSOR, TPA | Other services; Claims processing Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $32K |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,636 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,636 | $1.3M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC LIFE INSURANCE COMPANY | 1,173 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,636 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,636 | — |
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.