| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $29K | $37K | 3.78% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| BOBBY SHERRILL3 Filed as: BOBBY SHERRIL | PO BOX 990 MERIDIAN, MS 393020990 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.47% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | PO BOX 990 MERIDIAN, MS 393020990 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.28% |
| LOUIS BARBER3 Filed as: LOUIS C BARBER | 8592 CORDES CIR GERMANTOWN, TN 381393317 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $522 | $0 | $522 | 2.99% |
| CHARLES AVERY3 | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 0.50% |
| COMMONWEALTH MARKETING3 Filed as: COMMONWEALTH MARKETING INC | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.19% |
| FIRST FLIGHT MARKETING3 | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.07% |
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.73% |
| JAMES SNOW3 Filed as: JAMES E HOWELL | 4919 KATHRYN DRIVE MACON, GA 31210 | METLIFE INSURANCE COMPANY | $502 | $0 | $502 | 4.28% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $263 | $0 | $263 | 2.24% |
| RAMONA S PEARCE3 | 432 GULDE RD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $253 | $0 | $253 | 2.16% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE. MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $162 | $0 | $162 | 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 | $48 | $0 | $48 | 2.97% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $25 | $0 | $25 | 1.55% |
| RRAMONA S PEARCE3 | 432 GULDE RD. BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $24 | $0 | $24 | 1.48% |
| 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 | $16 | $0 | $16 | 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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $1.0M |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 123 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $119K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.