| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES H KING3 Filed as: JAMES H. KING | 150 DANNA LANE COLUMBUS, MS 39701 | GUARDIAN LIFE INSURANCE COMPANY | $79K | — | $79K | 7.96% |
| CORPORATE BENEFITS INC3 Filed as: CORPORATE BENEFITS, INC. | P.O. BOX 1489 MADISON, MS 39130 | IRONSHORE INDEMNITY INC. | $39K | — | $39K | 10.00% |
| JAMES H KING3 Filed as: JAMES H. KING | 132 WAYS WAY MADISON, MS 39110 | AMERICAN HERITAGE LIFE | $36K | — | $36K | 20.92% |
| JAMES H KING3 Filed as: JAMES H. KING | 150 DANNA LANE COLUMBUS, MS 39701 | GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| JAMES H KING3 Filed as: JAMES H. KING | P.O. BOX 1489 MADISON, MS 39130 | HM LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES KING | 132 WAYS WAY MADISON, MS 39110 | ALLSTATE | $16K | — | $16K | 10.18% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER | P.O. BOX 1139 JACKSON, MS 392151139 | HARTFORD LIFE AND ACCIDENT | $9K | $396 | $9K | 15.68% |
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 | 2,332 | 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) | 2,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY INC. | 2,504 | $390K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 2,285 | $989K |
| Vision | HM LIFE INSURANCE COMPANY | 2,685 | $170K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 2,332 | $1.2M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 2,285 | $989K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 882 | $170K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE | 2,332 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,685 | — |
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.