| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUBERT M LITTLE3 Filed as: HUBERT LITTLE | P.O. BOX 1887 RIDGELAND, MS 39158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.09% |
| HUBERT M LITTLE3 Filed as: HUBERT LITTLE | 165 BUTLER DR. RIDGELAND, MS 39157 | PRINCIPAL LIFE INSURANCE COMPANY | $64K | — | $64K | 22.60% |
| HUBERT M LITTLE3 Filed as: HUBERT LITTLE | P.O. BOX 1887 RIDGELAND, MS 39158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.19% |
| HUBERT M LITTLE3 Filed as: HUBERT LITTLE | P.O. BOX 1887 RIDGELAND, MS 39158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.99% |
| HUBERT M LITTLE3 Filed as: HUBERT LITTLE | P.O. BOX 1887 RIDGELAND, MS 39158 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 2.86% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | 4707 EXECUTIVE DR. SAN DIEGO, CA 92121 | AMERITAS LIFE INSURANCE CORP. | $33K | — | $33K | — |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 393 | $283K |
| Life insurance | AMERITAS LIFE INSURANCE CORP. | 480 | $0 |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $44K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
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.