| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY L THORNTON3 Filed as: GARY WEST II | PO BOX 87 LAUREL, MS 39441 | BLUE CROSS BLUE SHIELD OF MS, INC. | $24K | — | $24K | 2.96% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON JOHNSON INSURANCE SERV | PO BOX 87 LAUREL, MS 39441 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.38% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON | PO BOX 87 LAUREL, MS 39441 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.71% |
| ALLEN FINANCIAL GROUP, PA3 | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.24% |
| ASHFORD MISSISSIPPI LLC3 | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.02% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS INC | PO BOX 87 LAUREL, MS 39441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON JOHNSON INSURANCE SERV | PO BOX 87 LAUREL, MS 39441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON E JOHNSON INS SVCS INC | PO BOX 87 LAUREL, MS 39441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CLAYTON E JOHNSON INSURANCE3 Filed as: CLAYTON JOHNSON INSURANCE | SERVICES INC PO BOX 87 LAUREL, MS 39441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 55.27% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS, INC. | 115 | $802K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 107 | $92K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 107 | $61K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $26K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.