| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX EVERETT, A DIVISION OF HUB INTL | 300 CONCOURSE BLVD, STE 30 RIDGELAND, MS 39157 | HCC LIFE INSURANCE CO | $24K | — | $24K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOX EVERETT, A DIVISION OF HUB INTL EIN 35-0672425 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 300 CONCOURSE BLVD, STE 300 RIDGELAND, MS 39157 | $484K |
| TRUST PLUS INC EIN 46-0467576 PRESCRIPTION DRUG ADMIN | Contract Administrator Service code 13 | 102 METROPLEX BLVD, STE A PEARL, MS 39208 | $24K |
| MED COST SOLUTIONS EIN 61-1530183 PRECERTIFICATION/CASE MGM | Other services Service code 49 | P.O. BOX 502 MADISON, MS 39130 | $10K |
| INETICO INC EIN 81-5149270 PRECERTIFICATION/CASE MGT | Other services Service code 49 | 4913 W LAUREL ST TAMPA, FL 33607 | $8K |
| SIR SPEEDY PRINTING EIN 12-5060053 PRINTING COMPANY | Copying and duplicating Service code 36 | 2701 N STATE ST JACKSON, MS 39216 | $6K |
| MISSISSIPPI PHYSICIAN CARE NETWORK EIN 64-0844670 PREFERRED PROVIDER NETWOR | Other fees Service code 99 | 408 W PARKWAY PLACE RIDGELAND, MS 39157 | $5K |
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 | 2,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE CO | 4,649 | $240K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO | 4,649 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,649 | — |
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.