| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 5.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 32.06% |
| JUSTIN SCHADE3 Filed as: JUSTIN R SCHADE | 128 CHARLTON DRIVE MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.92% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.85% |
| ASHLEY H WILLIAMS3 | 4347 LAKELAND DRIVE FLOWOOD, MS 39232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| TERESA K SHAW3 | 519 CHELSEA WAY MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| AON CONSULTING INC3 Filed as: C. HEWITT, INC. | 309 NEW POINTE DRIVE SUITE B RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| CHARLES DAVID BRAY3 Filed as: CHARLES D BRAY | 2606 ROXANNE DRIVE PEARL, MS 39208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| CANDICE K PHILLIPS3 Filed as: CANDICE A PHILLIPS | PO BOX 846 MADISONVILLE, KY 42431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $934 | — | $934 | 1.52% |
| JOAN M MCSWAIN3 | 2625 RIDGEWOOD ROAD SUITE 104 JACKSON, MS 39216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $746 | — | $746 | 1.21% |
| E INGRAM INC3 Filed as: E. INGRAM, INC. | 501 COBBLEST ONE COURT SUITE A MADISON, MS 64344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | — | $643 | 1.04% |
| WILIAM D. JONES3 Filed as: WILIAM D JONES | 2317 RUSSELVILLE ROAD SUITE 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $624 | — | $624 | 1.01% |
| MONICA J DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | — | $561 | 0.91% |
| KELLY R MILLER3 | 7780 STATE ROUTE 1241 HICKORY, KY 42051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | — | $385 | 0.63% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.41% |
| KAREN STONE3 | PO BOX 246 PROVIDENCE, KY 42450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.18% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 11407 DEPARTMENT 268 BIRMINGHAM, AL 35246 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE GROUP | 1020 HIGHLAND COLONY PARKWAY SUITE 302 RIDGELAND, MS 39157 | AFLAC | $5K | — | $5K | 25.74% |
| JUSTIN SCHADE3 | 128 CHARLTON DRIVE MADISON, MS 39110 | AFLAC | $2K | $2 | $2K | 8.11% |
| JOHN KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $636 | $2 | $638 | 3.44% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY WILLIAMS | 207 CAMELIA TRAIL BRANDON, MS 39047 | AFLAC | $614 | $2 | $616 | 3.32% |
| TERESA KILPATRICK SHAW3 | 15 NORTHTOWN DRIVE SUITE C JACKSON, MS 39211 | AFLAC | $614 | $2 | $616 | 3.32% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEW POINTE SUITE B RIDGELAND, MS 41159 | AFLAC | $412 | $2 | $414 | 2.23% |
| CHARLES DAVID BRAY3 Filed as: CHARLES BRAY | 2606 ROXANNE DRIVE PEARL, MS 39208 | AFLAC | $368 | $1 | $369 | 1.99% |
| WILLIAM JONES3 | 2362 RUSSELLVILLE ROAD BOWLING GREEN, KY 42101 | AFLAC | $308 | — | $308 | 1.66% |
| CANDICE K PHILLIPS3 Filed as: CANDICE PHILLIPS | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $242 | — | $242 | 1.30% |
| MONICA DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | AFLAC | $233 | — | $233 | 1.26% |
| JOAN M MCSWAIN3 Filed as: JOAN MCSWAIN | 4347 LAKELAND DRIVE FLOWOOD, MS 39232 | AFLAC | $178 | — | $178 | 0.96% |
| E SPEED INC3 | 309 NEW POINTE SUITE B RIDGELAND, MS 39157 | AFLAC | $178 | — | $178 | 0.96% |
| KELLY R MILLER3 Filed as: KELLY MILLER | 7780 STATE ROUTE 1241 HICKORY, KY 42051 | AFLAC | $97 | — | $97 | 0.52% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $70 | — | $70 | 0.38% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $36 | — | $36 | 0.19% |
| KAREN STONE3 | 567 LAEK SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $28 | — | $28 | 0.15% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWARY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $86K |
| Vision | NATIONAL GUARDIAN LIFE | 162 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $34K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 195 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
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.