| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $44K | $52K | 4.30% |
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 10.37% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | METLIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.84% |
| JAMES SNOW3 Filed as: JAMES E HOWELL | 4919 KATHRYN DRIVE MACON, GA 31210 | METLIFE INSURANCE COMPANY | $598 | $0 | $598 | 3.17% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $423 | $0 | $423 | 2.24% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $407 | $0 | $407 | 2.16% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 100.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $407 | $0 | $407 | 10.01% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE. MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $294 | $0 | $294 | 10.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 16190 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $88 | $0 | $88 | 3.00% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $45 | $0 | $45 | 1.53% |
| RRAMONA S PEARCE3 | 432 GULDE RD. BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $43 | $0 | $43 | 1.46% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP INC | 6900 S. MCCARRAN BLVD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $29 | $0 | $29 | 0.99% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $82K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 117 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $34K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.