| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.05% |
| MARCHETTI ROBERTSON AND BRICKELL3 Filed as: MARCHETTI, ROBERTSON, AND BRICKELL | PO BOX 3348 RIDGELAND, MS 39158 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1062 HIGHLAND COLONY PARKWAY SUITE 175 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 418 EAST TYLER AVENUE, SUITE B HARLINGEN, TX 78550 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9100 KEYSTONE CROSSING, SUITE 550 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1062 HIGHLAND COLONY PARKWAY SUITE 175 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.29% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY | $9K | $1K | $10K | 17.54% |
| MARCHETTI ROBERTSON AND BRICKELL3 Filed as: MARCHETTI, ROBERTSON, AND BRICKELL | 1062 HIGHLAND COLONY PARKWAY SUITE 175 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3348 RIDGELAND, MS 39158 | UNION SECURITY INSURANCE COMPANY | $690 | $0 | $690 | 1.18% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $73K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $205K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $205K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $205K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.