| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | PO BOX 990 MERIDIAN, MS 39602 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $29K | $37K | 3.76% |
| BOBBY SHERRILL3 | PO BOX 990 MERIDIAN, MS 39302 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | PO BOX 990 MERIDIAN, MS 39302 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 15.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | PO BOX 990 MERIDIAN, MS 39302 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BOBBY SHERRILL3 Filed as: BOBBY SHERRIL | PO BOX 990 MERIDIAN, MS 393020990 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.30% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | PO BOX 990 MERIDIAN, MS 393020990 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.98% |
| LOUIS BARBER3 Filed as: LOUIS C BARBER | 8592 CORDES CIR GERMANTOWN, TN 381393317 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $606 | $0 | $606 | 4.35% |
| FIRST FLIGHT MARKETING3 | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.06% |
| CHARLES AVERY3 | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.06% |
| COMMONWEALTH MARKETING3 Filed as: COMMONWEALTH MARKETING INC | 114 PRESTWICK CT MONTGOMERY, TX 773161446 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.02% |
| INSURANCE ADVISORY GROUP, LLC3 | PO BOX 990 MERIDIAN, MS 39302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP LLC | 900 20TH AVE. MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA 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 | $1K | $0 | $1K | 13.58% |
| JAMES SNOW3 Filed as: JAMES E HOWELL | 4919 KATHRYN DRIVE MACON, GA 31210 | METLIFE INSURANCE COMPANY | $472 | $0 | $472 | 4.43% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $238 | $0 | $238 | 2.24% |
| RAMONA S PEARCE3 | 432 GULDE RD. BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $230 | $0 | $230 | 2.16% |
| INSURANCE ADVISORY GROUP, LLC3 Filed as: INSURANCE ADVISORY GROUP | 900 20TH AVE. MERIDIAN, MS 39301 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $164 | $0 | $164 | 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 | $49 | $0 | $49 | 2.99% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DR SHREVEPORT, LA 71115 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $25 | $0 | $25 | 1.53% |
| RRAMONA S PEARCE3 | 432 GULDE RD. BRANDON, MS 39042 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $24 | $0 | $24 | 1.47% |
| 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 | 0.98% |
| INSURANCE ADVISORY GROUP, LLC3 | 900 20TH AVE MERIDIAN, MS 39301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | $0 | $137 | 9.99% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.0M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 154 | $59K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 127 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $1K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $11K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 184 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.