| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACKIE HOLT3 | RENASANT INURANCE 403 WALDRON STREET CORINTH, MS 38834 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $19K | — | $19K | 4.63% |
| JACKIE HOLT3 Filed as: JACKIE SCOTT HOLT | RENASANT INSURANCE 403 WALDRON STREET CORINTH, MS 38834 | GULF GUARANTY LIFE | $16K | — | $16K | 15.00% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET PO BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.90% |
| RENASANT INSURANCE3 Filed as: RENASANT INSURANCE INC | PO BOX 2220 CORINTH, MS 38835 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.10% |
| ASHFORD MISSISSIPPI LLC3 | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.10% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 126 | $415K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 126 | $467K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $51K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $84K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $84K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $84K |
| Other | GULF GUARANTY LIFE | 125 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.