| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PKWY. SUITE 302 RIDGELAND, MS 39157 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 7.50% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DR. LITTLE ROCK, AR 72202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.64% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $111 | $111 | 0.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $813 | $16K | 25.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMS EIN 64-0295748 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $133K |
| JOSEPH FRANCIS BROKER | Insurance agents and brokers Service code 22 | REGIONS INSURANCE, INC. P.O. BOX 13389 JACKSON, MS 39236 | $17K |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $424K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $424K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $424K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.