| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE BAILEY3 | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $22K | — | $22K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 9.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | — | $641 | $641 | 1.05% |
| MISSISSIPPI MANUFACTURERS ASSOC3 | 333 WEST MIFFLIN STREET UNIT 2100 MADISON, WI 53703 | STARMOUNT LIFE INSURANCE COMPANY | $563 | — | $563 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $385 | $3K | 7.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $450 | $4K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.12% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $74 | — | $74 | 2.01% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $452 | — | $452 | 14.99% |
| BENEFITS CONCEPTS INC3 Filed as: BENEFITS CONCEPTS PA | PO BOX 2505 COLUMBUS, MS 39704 | RELIASTAR LIFE INSURANCE COMPANY | $10 | — | $10 | 2.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | 152 | $569K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 92 | $61K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 92 | $61K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $38K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.