| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | — | $83K | 4.42% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.81% |
| JUSTIN SCHADE3 Filed as: JUSTIN R SCHADE | 128 CHARLTON DRIVE MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $775 | — | $775 | 1.45% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $392 | — | $392 | 0.74% |
| ASHLEY H WILLIAMS3 | 4347 LAKELAND DRIVE FLOWOOD, MS 39232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | — | $340 | 0.64% |
| AON CONSULTING INC3 Filed as: C. HEWITT, INC. | 309 NEW POINTE DRIVE SUITE B RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.59% |
| TERESA K SHAW3 | 519 CHELSEA WAY MADISON, MS 39110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 0.57% |
| CHARLES DAVID BRAY3 Filed as: CHARLES D BRAY | 2606 ROAXANNE DRIVE PEARL, MS 39208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.44% |
| JOAN M MCSWAIN3 | 2625 RIDGEWOOD ROAD SUITE 104 JACKSON, MS 39216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.22% |
| E INGRAM INC3 Filed as: E. INGRAM, INC. | 501 COBBLEST ONE COURT SUITE A MADISON, MS 64344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.20% |
| MONICA J DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.08% |
| KELLY R MILLER3 | 7780 STATE ROUTE 1241 HICKORY, KY 42051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| CANDICE K PHILLIPS3 Filed as: CANDICE A PHILLIPS | 4499 BROWN ROAD MADISONVILLE, KY 42431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| KAREN STONE3 | PO BOX 246 PROVIDENCE, KY 42450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 23.26% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.33% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $934 | $5K | 18.35% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PARKWARY RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $244 | $1K | 18.33% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 455 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $35K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 198 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.